vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against 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 2025-02-04 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: OR

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX - XXXX - XX/XX/XXXX - {$69.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$16000.00} XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2025-02-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Late/Open Inquiry in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into Bridgecrest for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), regarding the accuracy of information reported on my credit file and 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) B and C Bridgecrest is reporting inaccurately on my credit report, which has negatively impacted my credit standing. Under 1681e ( b ) of the FCRA, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy in the information they provide. However, Bridgecrest has failed to uphold this legal standard, They are reporting a repossession 3 extra times on XXXX XXXX and XXXX. My vehicle was repossessed in XXXX of 2024 but they are reporting it had a repossession in XXXX, XXXX and XXXX which is impossible. Also they have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure. 
Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option. 
I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification I request that the CFPB investigate this matter and direct Bridgecrest to remove the inaccurate information from my credit report immediately. I have enclosed copies of my credit report, dispute letters, and any supporting documentation that proves the inaccuracy of their reporting. 
This inaccurate reporting has caused me financial harm, including difficulties obtaining credit, higher interest rates, and damage to my credit score. 
I appreciate your prompt attention to this matter. Please provide me with a response regarding the status of my complaint and the actions taken to correct this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Inaccuracies in My Credit Reports with Equifax, TransUnion, and Experian To Whom It May Concern, I am writing to formally request an investigation into multiple inaccuracies on my consumer credit reports maintained by Equifax, TransUnion, and Experian. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies are required to ensure the maximum possible accuracy of the information contained in credit reports. However, I have identified several discrepancies that are negatively affecting my credit profile.

The issues I am disputing include : Last Date of Activity The reported last date of activity for certain accounts is incorrect and does not reflect my actual transaction history. 

First Date of Delinquency The first date of delinquency on some accounts appears to have been altered or inaccurately recorded, which affects the timing of negative marks on my report. 

Account Status Some accounts are reported with an incorrect status ( e.g., showing as open when they are closed or vice versa, or inaccurately marked as charged-off or in collections ). 

Comments and/or Remarks Additional comments or remarks have been added to some accounts without proper justification or explanation.

Balance The balance amounts listed for certain accounts are not up to date and do not accurately reflect payments made or account adjustments. 

These inaccuracies violate my rights under the FCRA, which mandates that credit reporting agencies maintain fair and accurate consumer information. Per 15 U.S.C. 1681i ( a ), I request that the CFPB investigate these matters and ensure that Equifax, TransUnion, and Experian correct any errors immediately.

I have attached supporting documentation, including copies of my credit reports with the disputed information highlighted, correspondence with the credit bureaus, and any additional evidence relevant to my claim.

I request that you take appropriate action to ensure my credit reports reflect accurate and up-to-date information. Please provide me with a written response regarding the results of your investigation. If the inaccuracies are not corrected, I may explore further legal remedies to protect my rights. 

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

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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime Financial , Inc. closed my account on XX/XX/XXXX without providing a legitimate reason. I had been a member since XX/XX/XXXX with no issues until now. I recently disputed several transactions, which I believe is their reason for closing my account, however they refuse to provide my with any information regarding any violations they claim were made on my account. They also lied to me regarding an appeal of the closure and possible reinstatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Ive asked the credit bureau too remove both XXXX  XXXX accounts from my credit report they are showing closed but they are still showing late payments from XXXX  till now Ive contacted XXXX XXXX and asked them to send me a 1099-C they said they are not because of my XXXX XXXX accounts I didnt understand because out of the blue sky they closed them without warning and they said they were going to keep reporting late payments both XXXX  XXXX and Experian but all three major credit bureau are reporting the same account on my credit reports and they are reporting XXXX XXXX  as open account and late and Im no longer with them and payment not let, XXXX XXXX  sold my mortgage too XXXX XXXX XXXX XXXX Ive asked the credit bureau to Opt Out they said/told me that its impossible the law doesnt allow that.

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 2025-02-04 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: LA

Complaint narrative:
Ive asked the credit bureau too remove both XXXX  XXXX accounts from my credit report they are showing closed but they are still showing late payments from XXXX  till now Ive contacted XXXX XXXX and asked them to send me a 1099-C they said they are not because of my XXXX XXXX accounts I didnt understand because out of the blue sky they closed them without warning and they said they were going to keep reporting late payments both XXXX  XXXX and Experian but all three major credit bureau are reporting the same account on my credit reports and they are reporting XXXX XXXX  as open account and late and Im no longer with them and payment not let, XXXX XXXX  sold my mortgage too XXXX XXXX XXXX XXXX Ive asked the credit bureau to Opt Out they said/told me that its impossible the law doesnt allow that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I am disputing multiple inaccurate and fraudulent accounts on my credit report with [ Equifax/Experian ]. These accounts remain on my report despite my previous disputes, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a reasonable investigation within 30 daysof receiving a dispute. However, they failed to investigate properly, making them liable for willful non-complianceunder 15 U.S.C. 1681n.

Additionally, the CFPB is actively suing Equifax, Experian, and XXXX for systemic failures to investigate disputes and for knowingly reporting inaccurate information. This proves their pattern of violating consumer rightsand further justifies the immediate deletion of all negative items. 

According to 15 U.S.C. 1681s-2 ( b ), data furnishers are required to report only accurate information. Since these accounts remain unverified and inaccurate, they must be deleted immediately under federal law.

Furthermore, under 15 U.S.C. 1681c, any negative item older than 7 years must be removed immediately.

I demand the immediate removal of the following accounts from my credit report due to these legal violations :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
They been Calling me repeatedly or at unreasonable hours ( before 8 AM or after 9 PM ). False or misleading statements : Lying about the amount of debt or claiming they are lawyers or government agents when they are not. Threats : Threatening arrest, violence, or other illegal actions. Failure to validate the debt : If you request validation of the debt, they must provide documentation proving its yours. If they dont, they cant continue collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I received a notice from National credit systems and I called the company several times and the Rep. XXXX XXXX put me on hold and sent me to voicemail.I left several messages no response. I did a dispute with attachments of pictures of the rental unit showing that the owner never did the total repairs needed from XXXX XXXX. I have the XXXX picture of his phone number he stated the full house was going to be redone due to damage from the storm. The rental agency only repaired roof and patched a certain part of ceiling and replaced refrigerator. They never replaced flooring and walls only sprayed and painted over mold area which when I was moving I noticed mold had spread all through the unit due to them not properly taking care of the problem and I feel I should not be responsible for debt owe and I had a month to month lease and gave thirty days notice of moving.The agency did not made me aware of this debt and I received this notice and no one is responding to let me know exactly what is going on because it this company got paid by the insurance company to repair unit from top to bottom and trying to get money from me for something that was never done that is wrong because as we were moving we was XXXX  and getting XXXX  from the XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-04 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: OH

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as such, I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts have been fraudulently added to my credit file : ACCOUNTS : XX/XX/XXXX - XXXX - XX/XX/XXXX - {$13000.00} XX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$4100.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$1600.00} Additionally, the following inquiry appears on my credit file, which I did not authorize : INQUIRIES :XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} - {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$750.00}

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 2025-02-04 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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