vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
XXXX, XXXX  Credit Bureau Associates XXXX XXXX XXXX XXXX GA XXXX Subject : Demand for Verification and Immediate Removal of Inaccurate Information Dear Credit Bureau Associates, I am writing to formally demand that you verify and substantiate the accuracy of the information reported on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This information, which has been reported inaccurately by Credit Bureau Associates, is causing undue harm to my credit profile, and I am requesting an immediate investigation into the following : Verification of Debt and Creditor Information I demand that you provide documentation and verification of the alleged debt, including the full name, contact information, and proof of ownership by the creditor. I am requesting evidence of the original agreement and a detailed account history to verify that the information reported is both accurate and verifiable. 

Immediate Removal of Inaccurate Information As per the FCRA, you are required to ensure the highest standards of accuracy and completeness in credit reporting. Failure to verify or provide proof within 30 days constitutes a violation under 15 U.S.C. 1681i, which mandates deletion of inaccurate or unverifiable information. Due to the lack of verifiable documentation on this item, I demand its immediate removal from my credit report. 

Cease and Desist Communication Additionally, I am formally requesting that Credit Bureau Associates cease all forms of communication with me regarding this account, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Any further attempts to communicate regarding this debt will be viewed as a violation of federal law, and I reserve the right to pursue legal action if this request is not respected. 

Please confirm in writing the results of your investigation and any actions taken, including the name and contact information of a responsible agent at your organization who will oversee this matter. Failure to respond in good faith will result in my taking further legal action to protect my rights under the FCRA and FDCPA. 

This letter serves as an official and final notice. I look forward to a prompt response and resolution. You may contact me at the address listed above, or by email if further clarification is needed. 

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 2024-11-13 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  Account # XXXX Amount : {$24000.00} XXXX  Account # XXXX : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, 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 2024-11-13 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: MD

Complaint narrative:
Navy federal took money from me for over drafts that werent valid using the OOPS service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
After careful review of my Credit Report, I noticed two accounts that doesn't belong to me. Those accounts are XXXX XXXX XXXX, and XXXX XXXX. I have included these accounts in my Identity Theft Report. I also noticed one hard inquiry from XXXX XXXX XXXX that doesn't belong to me, nor have I gave them permission to run my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
After careful review of my Credit Report, I noticed two accounts that doesn't belong to me. Those accounts are XXXX XXXX XXXX, and XXXX XXXX. I have included these accounts in my Identity Theft Report. I also noticed one hard inquiry from XXXX XXXX XXXX that doesn't belong to me, nor have I gave them permission to run my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I disputed accounts and inquires on XX/XX/2024 due to my information being exposed in multiple data breaches as well as uploaded my identity theft report and documentation supporting my disputes to XXXX and Experian. Experian and XXXX have sent via email that the information they had was accurate, verified and updated. They completely ignored my documentation and failed to comply with FCRA 15 U.S.C. 1681c-2 Section 605b within my disputes. I reached out to Experian and XXXX via phone to determine how the information was verified, and they stated, " We've updated the information based on the previous disputes that were put in for these accounts, nothing has changed. '' XXXX has removed the same accounts that Experian and XXXX are stating " verified and updated. '' 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 XXXX XXXX XXXX. All have been removed from XXXX on XX/XX/XXXX and XXXX, XXXX. XXXX removed these accounts on XXXX, XXXX  and then added them back onto my report XXXX XXXX, XXXX  as a NEW account. Furthermore, I disputed the account XXXX XXXX XXXX due to Experian and XXXX furnishing a balance and past due after the account was closed causing my credit score to decrease drastically thus hindering me from obtaining credit. I also provided documentation showing the last statement with a {$0.00} balance following the account closure and the bureaus failed to update that account as Paid/Never Late.

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 2024-11-13 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: IL

Complaint narrative:
I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation into the XXXX  account dispute on my credit report. Despite providing evidence of significant discrepancies across credit bureaus, Experian has not addressed these errors, negatively impacting my credit score. 

Discrepancies in Account Information Date Opened : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These dates do not match, indicating reporting errors by Experian. 
High Credit Amount : XXXX and Experian : {$2600.00} XXXX : {$1300.00} The high credit amount reported by XXXX differs significantly from that reported by Experian and XXXX. 
Last Reported Date : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX  Additional Comments : Experian states that the debt was " sold to another lender, '' whereas XXXX reports the account as " charged off as bad debt and transferred or sold. '' Violations of the FCRA According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian must conduct a reasonable investigation when a consumer disputes information in their credit file. However, Experian redirected me to the creditor rather than investigating the discrepancies as required by law. This response violates FCRA guidelines, as the law mandates that credit bureaus, not consumers, verify disputed information. 
Furthermore, if the information can not be verified within 30 days, the FCRA mandates its removal ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Experian has failed to correct or remove the inaccurate information, obstructing my consumer rights and causing unjust harm to my credit profile. 

Requested Resolution In light of these FCRA violations, I request that the CFPB take the following actions : Require Experian to Investigate and Verify : Ensure Experian conducts a complete investigation, verifying each element of the disputed account with original source documentation. 
Mandate Deletion of Unverifiable Information : If Experian can not verify the account details with the creditor within the 30-day period, order them to delete the disputed information from my report. 
Monitor  Experians Compliance : Evaluate Experian 's dispute-handling practices to ensure consumer rights under the FCRA are upheld. 
Supporting Documentation I am including relevant credit report excerpts and correspondence with Experian to substantiate this complaint. 

Thank you for your attention to this matter and for helping protect consumer rights.

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 2024-11-13 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: IL

Complaint narrative:
I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation into the XXXX  account dispute on my credit report. Despite providing evidence of significant discrepancies across credit bureaus, Experian has not addressed these errors, negatively impacting my credit score. 

Discrepancies in Account Information Date Opened : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXXXXXX  XXXX : XX/XX/XXXXXXXX  These dates do not match, indicating reporting errors by Experian. 
High Credit Amount : XXXX and Experian : {$2600.00} XXXX : {$1300.00} The high credit amount reported by XXXX differs significantly from that reported by Experian and XXXX. 
Last Reported Date : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXXXXXX  XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXXXXXX  Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Additional Comments : Experian states that the debt was " sold to another lender, '' whereas XXXX reports the account as " charged off as bad debt and transferred or sold. '' Violations of the FCRA According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian must conduct a reasonable investigation when a consumer disputes information in their credit file. However, Experian redirected me to the creditor rather than investigating the discrepancies as required by law. This response violates FCRA guidelines, as the law mandates that credit bureaus, not consumers, verify disputed information. 
Furthermore, if the information can not be verified within 30 days, the FCRA mandates its removal ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Experian has failed to correct or remove the inaccurate information, obstructing my consumer rights and causing unjust harm to my credit profile. 

Requested Resolution In light of these FCRA violations, I request that the CFPB take the following actions : Require Experian to Investigate and Verify : Ensure Experian conducts a complete investigation, verifying each element of the disputed account with original source documentation. 
Mandate Deletion of Unverifiable Information : If Experian can not verify the account details with the creditor within t

he 30-day period, order them to delete the disputed information from my report. Monitor Experians Compliance : Evaluate Experian 's dispute-handling practices to ensure consumer rights under the FCRA are upheld. 
Supporting Documentation I am including relevant credit report excerpts and correspondence with Experian to substantiate this complaint. 

Thank you for your attention to this matter and for helping protect consumer rights.

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 2024-11-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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 was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$700.00}

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 non-monetary relief
Consumer complaint received 2024-11-13 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 was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
On XX/XX/year>XXXX  Navy Fed charge me {$29.00} overdraft fee for Insufficient funds, I have overdraft protection on my account. There has been multiple occasions where I was charged and insufficient fund fee because they chose to take the payment out later and other bills came out of my account at the same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I do not condone the use of other peoples addresses, names and phone numbers for personal monetary gain. XXXX, Transunion, and XXXX are committing serious privacy violations against the people who have these addresses, names, and phone numbers. XXXX, Transunion, and XXXX must be fair and impartial and make sure my non-public personal information is accurate and other peoples nonpublic personal information is removed by correcting consumer reports and consumer files. 

REMOVE ALL NONMAILABLE ADDRESSES ( 39 USC 3001 ). 

I ONLY HAVE ONE ADDRESS. REMOVE INACCURATE ADDRESSES THAT BELONG TO OTHER PEOPLE. 

I ONLY HAVE ONE NAME. REMOVE INACCURATE NAMES : I ONLY HAVE ONE PHONE NUMBER. REMOVE INACCURATE PHONE NUMBERS I ONLY HAVE ONE EMAIL ADDRESS. REMOVE INACCURATE EMAIL ADDRESSES :

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I do not condone the use of other peoples addresses, names and phone numbers for personal monetary gain. XXXX, XXXX, and Equifax are committing serious privacy violations against the people who have these addresses, names, and phone numbers. XXXX, XXXX, and Equifax must be fair and impartial and make sure my non-public personal information is accurate and other peoples nonpublic personal information is removed by correcting consumer reports and consumer files. 

REMOVE ALL NONMAILABLE ADDRESSES ( 39 USC 3001 ).

I ONLY HAVE ONE ADDRESS. REMOVE INACCURATE ADDRESSES THAT BELONG TO OTHER PEOPLE.

I ONLY HAVE ONE NAME. REMOVE INACCURATE NAMES : I ONLY HAVE ONE PHONE NUMBER. REMOVE INACCURATE PHONE NUMBERS I ONLY HAVE ONE EMAIL ADDRESS. REMOVE INACCURATE EMAIL ADDRESSES :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: MS

Complaint narrative:
Experian Fraud Division Special Handling XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Dear Experian Fraud Department, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have already filed complaints with the FTC and CFPB regarding this matter, and I request the immediate removal of the fraudulent information outlined below. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, as a victim of identity theft, I am entitled to have inaccurate and unauthorized information removed from my credit report. 

FTC Complaint # : XXXX  CFPB Complaint # : [ Insert Number ] Fraudulent Collection : Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Account Type : Collection Status : Collection account with {$510.00} past due as of XX/XX/XXXX. 


Fraudulent Inquiries : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX Please address these issues promptly. 

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