vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
I am writing to dispute an inaccuracy on my Equifax credit report regarding my XXXX student loans. Specifically, the report inaccurately states that I was delinquent on my payments, which is incorrect. 

I have confirmed with XXXX that I was never late on my student loan payments. Per their records, all payments were made on time. This directly contradicts the delinquency reported on my Equifax credit report. 

Under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), consumer reporting agencies are required to report accurate information. Reporting this delinquency is a violation of my rights, as it misrepresents my credit history and financial reliability. 

I kindly request that you : Investigate this matter with XXXX and verify the inaccuracy. 
Remove the incorrect delinquency from all 3 credit reports immediately. 
Provide written confirmation of the correction upon resolution. 
Please let me know if you require further information to complete your investigation. 

I expect a resolution within the 30-day timeframe as mandated by the Fair Credit Reporting Act. Please confirm receipt of this dispute and keep me updated on the status of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to dispute some items on my Transunion credit report but each time i try to access it online it gives me a number to call XXXX XXXX XXXX to call Monday-Friday. I know that there is a lot of inaccurate information on my credit report such as collections AND inquires. 

I feel as though Transunion is possible jacking up my credit report and I need several items removed.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Navy Federal Credit Union Subject : Identity Theft Notification Fraudulent Accounts in My Name Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally notify you that my identity was stolen, and fraudulent activity has been conducted in my name. I recently discovered that an account or accounts have been opened with Navy Federal Credit Union under my identity without my authorization. 

Please note that I have never opened or applied for any accounts with Navy Federal Credit Union. I am not responsible for any debts, charges, or transactions related to these accounts. This activity was conducted without my knowledge or consent, and I am a victim of identity theft. 
Attached to this letter, you will find supporting documentation to verify my claim, including : 1. A copy of my government-issued ID. 
2. A copy of the police report filed for this identity theft case. 
3. A completed Identity Theft Affidavit ( if applicable ). 
4. Proof of address for verification. 

I kindly request that Navy Federal Credit Union : 1. Immediately close any fraudulent accounts opened in my name. 
2. Remove any fraudulent charges or debts associated with these accounts. 
3. Cease any attempts to collect on these fraudulent accounts. 
4. Provide written confirmation that these accounts have been resolved and that I have no liability. 

Additionally, I would appreciate any information you can provide about the fraudulent account ( s ), including application details, dates of activity, and transactions, to assist law enforcement with their investigation. 

Please direct all correspondence regarding this matter to me at the address listed above. You may also contact me by phone or email if further clarification or documentation is required. 

Thank you for your prompt attention to this serious matter. I trust that Navy Federal Credit Union will act swiftly to resolve this issue and protect me from further harm. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been receiving numerous of letters over 30 exactly, stating they can't locate a credit profile for me which is INCORRECT. This happens every time I send a dispute with both identifying documents. This is very insane and needs to be fix immediately.

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 2025-01-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. I disputed this account with XXXX, and their investigation was completed on XX/XX/year>. As a result of the investigation, XXXX deleted the account from my credit report. This action confirms that the information is unverifiable, and your agency is now required to delete the account in compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to ensure that all information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified and removed it from my credit report, it is your legal obligation to do the same. 

Furthermore, FCRA 609 and 611 state that unverifiable accounts must be removed within 30 days of a dispute. Therefore, I request that you promptly investigate and remove this account from my credit report within the legally required timeframe. 

If you fail to remove this unverifiable account, I must inform you that FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. Legal remedies may include suing for damages caused by the failure to ensure accurate reporting and failure to delete unverifiable accounts. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once the account has been removed, or provide any documentation verifying its accuracy if you choose not to delete it. 

If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies to protect my rights as a consumer. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Debt Validation Request Reference # : XXXX To Whom it May Concern : I am writing regarding the above-referenced account that you claim I owe in the amount of {$1200.00}. I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide me with the following information : Proof that I owe this debt, including a copy of the original agreement or contract with my wet signature. 

The name and address of the original creditor. 

A detailed breakdown of the amount of debt, including the original balance, interest, fees, and any additional charges. 

Evidence that your agency has the legal right to collect this debt, including the full chain of assignments or transfer of ownership of the debt. This should include documentation showing all transfers from the original creditor to your agency. 

Confirmation of the statute of limitations for this debt, including the date of the last payment or activity on the account. 

Additionally, I request that you cease all communication with me regarding this matter until the requested information is provided. I also request that this debt not be reported to any credit reporting agencies until it has been properly validated. 

Please respond in writing within 30 days of receiving this letter and send your response to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: KY

Complaint narrative:
I have fraudulent accounts on my consumer reports that is not mine, these are all unaurthorized accounts that I have no knowledge of per 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 2025-01-11 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: TX

Complaint narrative:
I have been working with Transunion for over four months and they have yet to fix my issues. I have two accounts on my credit report that do not belong to me. There is a credit acceptance account that was a repo that shows a balance due of around XXXX dollars. This account was never mine. It's my understand that my social security number was used to obtain this account, however, when I contacted credit acceptance directly, they couldn't assist me as I was unable to provide any information other than my social security number to verify the account. I went by the police for fraud assistance and they said that since they didn't use any of my of my information such as my date of birth or my name it might have been a error with the social like the transposed the numbers so I they wouldn't issue me a police report. 

My second issue is with XXXX XXXX. They are a collection account for an account I never had. They said it was for a utility bill in XXXX XXXXXXXX which I never resided in. Transition shows the account was closed in XXXX so why it's even been reported in XXXX is beyond me.

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I had XXXX last year and I wasnt getting paid so it put me behind on my credit card bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 

CREDITOR NAME 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 2025-01-11 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: NC

Complaint narrative:
There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 

CREDITOR NAME 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 2025-01-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXXXXXX charge-off account with a {$640.00} balance from my credit report. After disputing this account with XXXX, their investigation was completed on XX/XX/year>, and the account was deleted from my XXXX credit report. This deletion confirms that the account is unverifiable, and your agency is now legally obligated to take the same action under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that the information included in a consumers credit report is accurate, complete, and verifiable. Since XXXX has deleted this account in its entirety, you are required to do the same. Reporting unverifiable accounts is a direct violation of FCRA standards. 

Additionally, FCRA 609 and 611 mandate that unverifiable information be removed within 30 days of a dispute. I respectfully request that you complete your investigation and delete this account from my credit file within this legally mandated timeframe. 

Failure to comply with this request may result in legal action. FCRA 616 and 617 provide consumers the right to seek damages and take legal action against credit reporting agencies that fail to meet their obligations. Your failure to act promptly and accurately may expose your agency to liability. 

I have attached a copy of my XXXX credit report confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit file. If you believe the account is valid, you must provide sufficient documentation verifying its accuracy. 

If this account is not removed within 30 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing additional legal remedies to protect my rights as a consumer. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
XXXX XXXX ran my credit XXXX XXXX. Without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX XXXX ran my credit XXXX XXXX. Without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 

CREDITOR NAME 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
First, I would like to acknowledge the immense help CFPB has rendered in resolving this long standing issue. I also would like to express my heartfelt gratitude to the Lender, and to UAS for their action after their response from the lender. I have responded to the letter sent and I am awaiting response. On the XXXX of XXXX I sent out a letter and received an acknowledgement of receipt 5 days later. I am still waiting for a response to my letter without any indication and timeline on when I will get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Incorrect Information on My Credit Report Dear CFPB Representative, I am writing to formally dispute incorrect information that appears on my credit report. Specifically, there are errors in the personal identifying information section, such as my name, address, and phone number. I have outlined the inaccuracies below and provided the correct information for reference : Name : Incorrect : XXXX XXXX, XXXX XXXX '' Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect : Listed on the correct report Correct : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Incorrect Listed on the Credit Report Correct : XXXX ) XXXX I believe these errors have occurred due to [ briefly explain possible reasons if you know them, e.g., " a clerical error, '' " misattribution, '' or " identity theft '' ]. These inaccuracies are negatively impacting my credit profile and may cause further issues if not promptly corrected. 

Attached, I have included copies of the following documents to verify my identity and provide evidence of the correct information : A copy of my government-issued photo ID Attached A recent utility bill or bank statement showing my correct address XXXX XXXX Listed. 
I respectfully request that you investigate this matter and contact the relevant credit reporting agencies to update and correct the inaccurate information on my credit report. 

Please keep me informed of the progress of this dispute. You can reach me at the contact information provided above. I would appreciate a written confirmation once the inaccuracies are resolved. 

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

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