vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Dispute of Inaccurate Information and Unauthorized Hard Inquiries on Credit Report Dear TransUnion Dispute Resolution Team, I am writing to formally dispute several inaccuracies on my credit report, which have adversely affected my credit score by XXXX points. The specific issues are as follows : 1. Collection Accounts with Inaccurate Dates and Amounts : The collection accounts in question have inconsistent and fluctuating dates of last activity, suggesting an improper extension of the statute of limitations. Additionally, the reported balances are incorrect. This practice not only misrepresents the status of these accounts but also artificially prolongs their presence on my credit report.

2. Incorrect Reporting of Medical Debt : Despite providing evidence of continuous health insurance coverage with Friday Health and subsequently XXXX, a medical debt has been reported inaccurately. The reporting entity acknowledged my insurance coverage but failed to correct the erroneous debt entry. 
3. Unauthorized Hard Inquiries : My credit report lists five hard inquiries that I did not authorize. Upon contacting the companies responsible, I was informed that there is no record of my file, and despite sending dispute letters, no changes have been made. These unauthorized inquiries are unjustly impacting my credit score.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. I request the following actions : Immediate Deletion of Inaccurate Information : Remove the erroneous collection accounts, medical debt, and unauthorized hard inquiries from my credit report.

Provision of Purchase Agreement : Supply the purchase agreement for the alleged debt being reported, as I have not received validation of this debt.

Investigation Details : Provide a comprehensive explanation of how these inaccuracies were investigated and the steps taken to verify the information. 

Enclosed are copies of relevant documents supporting my dispute, including insurance records, correspondence with the reporting entities, and documentation of my communications regarding the unauthorized hard inquiries. I expect these matters to be addressed promptly to prevent further damage to my creditworthiness. 

Please confirm receipt of this dispute and inform me of the actions taken to resolve these issues. I anticipate your response within 30 days, as stipulated by the FCRA. 

Sincerely,

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 2025-01-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Dispute of Inaccurate Information and Unauthorized Hard Inquiries on Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute several inaccuracies on my credit report, which have adversely affected my credit score by XXXX points. The specific issues are as follows : 1. Collection Accounts with Inaccurate Dates and Amounts : The collection accounts in question have inconsistent and fluctuating dates of last activity, suggesting an improper extension of the statute of limitations. Additionally, the reported balances are incorrect. This practice not only misrepresents the status of these accounts but also artificially prolongs their presence on my credit report.

2. Incorrect Reporting of Medical Debt : Despite providing evidence of continuous health insurance coverage with XXXX XXXX and subsequently XXXX, a medical debt has been reported inaccurately. The reporting entity acknowledged my insurance coverage but failed to correct the erroneous debt entry. 
3. Unauthorized Hard Inquiries : My credit report lists five hard inquiries that I did not authorize. Upon contacting the companies responsible, I was informed that there is no record of my file, and despite sending dispute letters, no changes have been made. These unauthorized inquiries are unjustly impacting my credit score. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. I request the following actions : Immediate Deletion of Inaccurate Information : Remove the erroneous collection accounts, medical debt, and unauthorized hard inquiries from my credit report.

Provision of Purchase Agreement : Supply the purchase agreement for the alleged debt being reported, as I have not received validation of this debt.

Investigation Details : Provide a comprehensive explanation of how these inaccuracies were investigated and the steps taken to verify the information. 

Enclosed are copies of relevant documents supporting my dispute, including insurance records, correspondence with the reporting entities, and documentation of my communications regarding the unauthorized hard inquiries. I expect these matters to be addressed promptly to prevent further damage to my creditworthiness. 

Please confirm receipt of this dispute and inform me of the actions taken to resolve these issues. I anticipate your response within 30 days, as stipulated by the FCRA. 

Sincerely,

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 2025-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I was told that in order to receive a loan from XXXX XXXX XXXX that I had to take out a insurance policy. They never informed me it was optional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXXXXXX XXXX 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

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 2025-01-25 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: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees Ive incurred. Despite having sufficient funds when the transactions were authorized, I was charge fees due to lagged postings of charges and credits the issue alliance with the recent CFPB finders against Navy Federal for similar practices where transactions were settled with insufficient balances, despite the initial available funds. I believe those practices are unfair and request investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
Between XXXX and XXXX Navy Federsl charged overdraft fees on the backend that I was not aware of. It also showed positive balances when in fact balances were negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experian 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
( TO JEFFERSON CAPITAL ) YOUR IS REPORTING 4 DIFFERENT ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE, UNVERIFIED, AND A VIOLATION OF THE FCRA & FDCPA. EACHACCOUNT MUST BE DELETED OR I WILL IMMEDIATELY SEEK REMEDY FOR DAMAGES UNDER THE FCRA AND FDCPA, UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THESE ACCOUNTS HAVE BEEN REPORTING ON MY CONSUMER REPORT. I WILL BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES WITHIN 7 DAYS OF THIS CFPB COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: GA

Complaint narrative:
XX/XX/year> The company Unifin sent out a text trying to collect funds. Trying to figure out how they get my number to send out a text. Not paying no 3rd party collector when my information probably was linked out in the cyber attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
i am filing a complaint against equifax failing to properly investigate my disputes regarding inaccurates in my credit report, despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence through investigation. This practice violates the fair credit reporting act ( FCRA ) 15 u.s.c. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection act ( CFPA ) ,12U.S.C 5536 ( a ) ( 1 ) A-B, as a highlighted in the CFPB recent administrative proceeding ( File No. 2025 XXXX ) against them for similar violations, I REQUEST that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
In XX/XX/year> I purchased a vehicle from XXXX of XXXX, which was financed through Santander bank, a couple of months later when I go to pay my bill, I noticed there was another vehicle added on my acct I continued to asked them about it. They kept telling me that I could fill out a fraud packet. Every time they emailed it to me I could never open it to fill it out. I asked them could they get in contact with the dealership to see whats going on I actually reached out to the dealership to see what was going on. They told me that they were looking into it they never did because I bought a car off their lot that was reported stolen so they had to unwine the deal. I did not authorize a 2nd care nor did I sign paperwork for one now its on my credit and effecting it terribly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to inform you of several inaccuracies in my credit report, such as incorrect account entries, an unknown collection, unauthorized inquiries, and billing errors. I would appreciate your assistance in resolving these matters to safeguard my financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint to report the failure of financial institution and the involved credit reporting agencies to adequately investigate and resolve disputes regarding unauthorized and unknown accounts and transactions reported to my credit report. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693. 

Specific Issues : 1. Unauthorized Accounts : I have identified multiple accounts placed under my name that I did not open or authorize. Despite submitting disputes with supporting evidence, these accounts remain on my credit report. 
2. Deleted Accounts Reinserted Without Notification : Accounts that were previously deleted after dispute resolution have been reinserted into my credit file without my knowledge or the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Failure to Remove Unauthorized Entries : Several accounts and transactions I reported as unauthorized have not been removed, and the credit reporting agencies have failed to provide adequate explanations or verify the accuracy of the disputed information.

These inaccuracies have caused significant harm to my credit standing and financial well-being. Despite my efforts to resolve these issues through direct communication with the credit reporting agencies and financial institutions involved, I have been met with dismissal and insufficient investigation.

Relevant Laws : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires that credit reporting agencies notify consumers within five business days if previously deleted information is reinserted into their credit file. I did not receive any such notice.

15 U.S.C. 1681c-2 : Mandates the blocking or removal of information resulting from identity theft or unauthorized accounts upon receipt of appropriate documentation.

15 U.S.C. 1693f : Provides protections for consumers disputing errors in electronic fund transfers.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint to report the failure of financial institution and the involved credit reporting agencies to adequately investigate and resolve disputes regarding unauthorized and unknown accounts and transactions reported to my credit report. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693.

Specific Issues : 1. Unauthorized Accounts : I have identified multiple accounts placed under my name that I did not open or authorize. Despite submitting disputes with supporting evidence, these accounts remain on my credit report.

2. Deleted Accounts Reinserted Without Notification : Accounts that were previously deleted after dispute resolution have been reinserted into my credit file without my knowledge or the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Failure to Remove Unauthorized Entries : Several accounts and transactions I reported as unauthorized have not been removed, and the credit reporting agencies have failed to provide adequate explanations or verify the accuracy of the disputed information. 

These inaccuracies have caused significant harm to my credit standing and financial well-being. Despite my efforts to resolve these issues through direct communication with the credit reporting agencies and financial institutions involved, I have been met with dismissal and insufficient investigation. 

Relevant Laws : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires that credit reporting agencies notify consumers within five business days if previously deleted information is reinserted into their credit file. I did not receive any such notice.

15 U.S.C. 1681c-2 : Mandates the blocking or removal of information resulting from identity theft or unauthorized accounts upon receipt of appropriate documentation.

15 U.S.C. 1693f : Provides protections for consumers disputing errors in electronic fund transfers.

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 2025-01-25 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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