vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: AL

Complaint narrative:
In XX/XX/2024 there was a {$300.00} loan taken out in my name that was not mine from a company that starts with a XXXX I forgot the name but its the only {$300.00} loan taken out in XXXX. I did not make this loan. Also, there have been SEVERAL hard inquires where my credit was pulled that I did not do. These need to be removed from my report. I have tried really hard to bring my score up and this has hurt my score terribly. Lastly, alot of old information needs to be removed from my report please. Also, All the credit cards and loans that were not paid my ex husband ran those up on purpose. All my credit cards, loans, XXXX XXXX, all utilities, he ran everything up as high as he could without me knowing and purposely did not pay any of them and ruined my credit. IfXXXX you could try to get those removed as well I would appreciate it. I would be happy to talk with someone as I know this is alot of information but all of this has ruined me at I time Im desperate and need my credit right now as a single mom. I have other disputes but these are my main concerns right this minute. Please help me get this negative off of my report so my score will increase. I appreciate your help. Thank you ao much. Sincerely, 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 2025-02-08 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: AL

Complaint narrative:
In XX/XX/2024 there was a {$300.00} loan taken out in my name that was not mine from a company that starts with a XXXX I forgot the name but its the only {$300.00} loan taken out in XXXX. I did not make this loan. Also, there have been SEVERAL hard inquires where my credit was pulled that I did not do. These need to be removed from my report. I have tried really hard to bring my score up and this has hurt my score terribly. Lastly, alot of old information needs to be removed from my report please. Also, All the credit cards and loans that were not paid my ex husband ran those up on purpose. All my credit cards, loans, XXXX XXXX, all utilities, he ran everything up as high as he could without me knowing and purposely did not pay any of them and ruined my credit. IfXXXX you could try to get those removed as well I would appreciate it. I would be happy to talk with someone as I know this is alot of information but all of this has ruined me at I time Im desperate and need my credit right now as a single mom. I have other disputes but these are my main concerns right this minute. Please help me get this negative off of my report so my score will increase. I appreciate your help. Thank you ao much. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/2025 XX/XX/XXXX XX/XX/XXXXXXXX XXXX Subject : Dispute of Inaccurate Account Request for Removal Dear [ CFPB ], I am writing to formally dispute an inaccurate account appearing on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX has already removed this account from my credit report, and I am requesting that Experian & TransUnion do the same. I have attached a copy of my XXXX credit report confirming the removal. Since one credit bureau has determined that this account should not be on my report, I believe it should be removed from all three credit bureaus. 

I am requesting that you investigate this matter and remove the account from my credit report. Enclosed are copies of relevant documents, including : A copy of my ID ( drivers license or passport ) Proof of address ( utility bill, bank statement, etc. ) A copy of my XXXX credit report showing the account removal Please complete your investigation within the timeframe required under the Fair Credit Reporting Act ( FCRA ). If the account is not removed, please provide me with documentation verifying the accuracy of this account. 

Thank you for your time and assistance. Please send your response to the address listed above. 

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 explanation
Consumer complaint received 2025-02-10 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: IN

Complaint narrative:
I used Zelle numerous times and have also reported discrepancies with my instution. Zelle has failed to investigate the claim and return funds. The CFPB 's findings indicate that Zelle has neglected to protect me as a consumer, leaving my velnerable to scams. This has raise many concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-08 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: TN

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered a few instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported at 100 % accuracy. I have never missed a payment on the following account : [ XXXX XXXX, [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to produce such proof, I demand that these payments be immediately updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX - XXXX - {$4300.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
My car 's original finance company was XXXX XXXX XXXX. I discovered PenFed had a lower rate, so I followed the procedure to have PenFed refinance the loan. To title the vehicle, I contacted PenFed and was informed that I needed to contact XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX, I was informed that the document would only be provided to PenFed since they were now financing the loan. I then called PenFed again and was informed that XXXX XXXX XXXX could only provide the document. This is a frustrating loop. I asked to speak with a supervisor, and I was told a supervisor would contact me within two hours. That call never came, and I still need to title the vehicle. My only recourse is to file a complaint to hope for a timely resolution to this problem.

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
Dear Discover Bank, I am writing to formally request a copy of IRS Form 1099-C for the canceled debt associated with my account. Below are the details of the account : Account Name : Discover Bank Account Number : XXXX Date Opened : XX/XX/year> Charge-Off Amount : {$1900.00} According to IRS regulations , creditors who cancel {$600.00} or more of a debt must issue a 1099-C form. If this debt qualifies, please mail the form to my address above. If no 1099-C was issued, kindly provide a written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
This is not my account at all. This is a fraudulent account and belongs to someone else XXXX {$330000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
This is not my account at all. This is a fraudulent account and belongs to someone else XXXX {$330000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My bank account was closed or restricted due to fraud, which prevented me from making my scheduled monthly payments on the collection account. As a result, the account has been reported as late on my credit report each month, despite my inability to access or make payments during this period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
You're not doing your job or abiding by the law. See attached, this is not going to be responded to in any manner other than my continuing to report the issue here until the CFPB recognizes that you don't abide by the law by investigating the ERRORS YOU MAKE CONSTANTLY ON MY CREDIT. YOU'RE THE ONLY BUREAU MAKING ERRORS AND DECLINING TO CORRECT THE MISTAKES YOU MAKE! You will never get anything from me for your constant delay tactics but a follow up complaint regarding your unwillingness to appropriately respond to disputes on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am submitting a complaint against Equifax for their inadequate handling of my disputes concerning inaccuracies in my credit report. Despite my numerous submissions, Equifax consistently replies within 24 hours asserting that the account is accurate, without offering any evidence of a comprehensive investigation. This behavior breaches the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifaxs actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as indicated by the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions. I urge the CFPB to take action to ensure Equifax adheres to federal law and provides consumers with the necessary proof of their investigations. 

Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX - Account number - XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} INQURIES XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date Sep 2026 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-02-08 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: CA

Complaint narrative:
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 XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA XXXX ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal date XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681. 
_____________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX XXXX account on my credit report, as it contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and incorrect reporting that is negatively affecting my credit profile. 

Violations of the FCRA : FCRA 1681s-2 ( a ) : Duty of Furnishers to Provide Accurate Information The account is being reported with inaccuracies, including date account opened and balance amount also payment history not showing correct info. 
The furnisher is legally obligated to report only accurate and complete information. 
FCRA 1681i ( a ) : Duty to Reinvestigate Disputed Information If Experian has previously verified this incorrect information, I demand proof of proper verification, including a detailed explanation of your investigation process. 
FCRA 1681e ( b ) : Failure to Maintain Reasonable Procedures Experian is required to have reasonable procedures to ensure accuracy. However, this continued misreporting suggests negligence and failure to comply with federal law. 
FCRA 1681n and 1681o : Civil Liability for Willful and Negligent Noncompliance If this matter is not corrected immediately, I will consider legal action for damages caused by this reckless disregard of my consumer rights. 
Immediate Actions Required : Delete or correct the XXXX XXXX account within 30 days as required by law. 
Provide me with written confirmation of this correction. 
If you fail to act, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursue legal action for statutory damages. 
This letter serves as my final notice before escalating this matter legally. I expect an immediate and appropriate response. 

Sincerely 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