vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
Date : [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Information Reported by Equifax. 


Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving a dispute concerning inaccurate and outdated information reported by Equifax on my credit report, despite my multiple attempts to have the information corrected directly with the bureau. 
The specific errors in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have followed the proper procedures to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ), but Equifax has failed to correct or remove the information within the required timeframe. The continued reporting of inaccurate data is causing harm to my creditworthiness and violates my rights under federal law. 
I am enclosing copies of my previous dispute letters, Equifaxs responses ( if any ), and supporting documentation for your reference. I respectfully request the CFPB to investigate this matter and require Equifax to : Remove or correct the inaccurate information from my credit report. 
Provide a written confirmation of the corrections made. 
Ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Please feel free to contact me if you require any additional information to assist in resolving this matter. Thank you for your attention to this important issue.

Enclosures : Copies of previous dispute letters to Equifax ( Spoke with Equifax representative over the phone. ) Equifax responses ( Stated that inaccuracies will be removed in 24 to 72 hours after request. ) Proof of identification ( Drivers license, utility bill ) Supporting documentation ( e.g., proof of correct address, account closure letters )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This account is similarly being reported as a charged-off account with a balance due. As with the other accounts, please provide proof of charge-off or delete the negative payment status. If no such proof is available, I request that you update the balance to {$0.00} in compliance with 15 U.S.C. 1681i and 15 U.S.C. 1681c-2 regarding the accuracy and integrity of information reported on consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXXPlease block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX  if the consumer has provided XXXX documentation to the consumer. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute the U.S. Bankruptcy Court record currently listed on my credit report. Upon review, I have identified inaccuracies in the way this information has been reported and verified. 

As stipulated under the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original creditor, it must remove said information from the consumer 's credit file.

In this case, the original creditor would be the U.S. Bankruptcy Courts. However, I have received a letter from the bankruptcy court confirming that they do not furnish information to credit reporting agencies, nor do they validate or confirm public record entries. Similarly, documentation from XXXX states that it could not validate this public record information. 

It is clear that public record information, including bankruptcy cases, is obtained by credit reporting agencies or third-party providers without validation from the Recorder of Deeds or the U.S. Court system . This practice violates 15 USC 1681e ( b ) and the FCRAs privacy provisions.

Additionally, Experian is in violation of : 15 USC 1681b ( a ) ( 2 ) : Furnishing information without my consent.

15 USC 1681c ( a ) : Excluding outdated or unverifiable bankruptcy information from consumer reports. 
Your failure to validate or verify these public record entries is a breach of your legal obligations and constitutes fraud. As a result, these inaccuracies are causing me significant harm by preventing access to credit, thereby negatively impacting my ability to support my family.

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 2025-01-13 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: TX

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed I have an fraudulent account on my report. I am not liable for this debit with XXXX XXXX. I do not have contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. Please remove these accounts from my report they are hurting ability to obtain credit.

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 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I was evicted from the apartment in XXXX of XXXX, the eviction judgement was {$3400.00}. I did payed the amount owed through garnishment, now you wont validate the post rent charge you are claiming. I need the documentation mailed to my address if not I will take you to court. I MOVED OUT WITHIN FOUR DAYS AFTER THE COURT DATE BEFOR THE FIVE DAYS RESTITUTION. How do I owed post position rent? That you wont validate!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: SC

Complaint narrative:
Negative items dates was re-set resulting in longer stay on my credit reports. Online disputes outcome did not produce a positive outcome.

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 2025-01-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The total value being {$5900.00} from the merchant : XXXX XXXX XXXX  The transaction failed, due to the vendor 's transaction limit did not support this purchase amount. The company opted to send three invoices in the amounts of : {$2200.00} {$2200.00} {$1400.00} The amounts were reflecting that of their per transaction limit as a vendor. 

Upon completing this transaction, then they requested a series of extra documentation such as a photo of my ID, and card number, but said I could cover the ID number, and the card number except the last four to verify the transaction as authentic, and this information was provided to the company. 

Receipts were provided by the company 's payment processor, as well as confirmation by the processor, but the company claims they do not have, nor have ever had the money, even though the payment processor, ( a well known company ) says that they did and do have the money. 

The company also states that they will not be sending the merchandise due to the risk they hold because of the failed attempts, this attempts were block by the bank and I had to speak to a representative for manual approval. 

Now the company has both the items, and the money. I have tried twice to resolve this issue with Navy Federal and provided the requested information both times, both times their rejection to the claim was stated as insufficient documentation. And to re-open the claims to provide more documentation. Both times everything requested was provided. 

So, included here is the translated documentation proving a chargeback/claim is valid, and legally due. 

I will also point out, that both the " company '' and the payment processor both have stated to seek the bank for a resolution, as we as the company providing their information for legal proceeding a cheeky way of them saying they will not issue a refund or send the items. Meanwhile, me, as the consumer, is out almost XXXX XXXXXXXX XXXX, with my bank not assisting me during this scam. 

As requested all proof of payment, as well as their blatant denial to provide the items are here. 

CC : Attorney General Office of Virginia CC : Federal Trade Commission CC : Office of the Comptroller of the Currency XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-13 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: MI

Complaint narrative:
I have submitted 3 different disputes to XXXX, XXXX, and Transunion. NONE of them have responded to me. At this point I think they are throwing my disputes in the trash can. There are two accounts with errors on my credit report. I have asked for proof of my 21 day billing statements from the creditors and bureaus. NONE have been provided. I was never late on these accounts. Please help me by ensuring the bureaus do their jobs.

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 2025-01-13 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: MI

Complaint narrative:
I have submitted 3 different disputes to XXXX, Experian, and XXXX. NONE of them have responded to me. At this point I think they are throwing my disputes in the trash can. There are two accounts with errors on my credit report. I have asked for proof of my 21 day billing statements from the creditors and bureaus. NONE have been provided. I was never late on these accounts. Please help me by ensuring the bureaus do their jobs.

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 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
I have been a victim of the XXXX XXXX breach and I have a confirmation from XXXX ifact I have been a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax XXXX and XXXX XXXX have reported unauthorized inquiries on my report. Inquiry dispute letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
I am writing to formally complain about Experians failure to conduct thorough investigations into my recent dispute regarding inaccurate information on my credit report. Despite submitting all the necessary supporting documentation to support my claim, Experians response was insufficient and failed to address the issues properly. 

I filed disputes with Experian regarding identity theft on three accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experians investigation was lackluster, and the dispute was either dismissed or not thoroughly examined. In some cases, Experian failed to contact the company that reported the incorrect information, which is a violation of my rights under the Fair Credit Reporting Act This pattern of inadequate investigation is particularly troubling given that Experian was recently sued by the Consumer Financial Protection Bureau ( CFPB ) for engaging in sham investigations of consumer disputes. The CFPB alleged that Experian failed to conduct reasonable investigations, which directly impacted consumers like myself. Its disheartening to see that Experian continues to engage in such practices, despite the legal consequences they are facing. 

I am disappointed by the lack of accountability and the failure to provide me with the proper resolution. As a consumer, I expect a fair and thorough investigation of any disputes I submit. However, Experian 's actionsor lack thereofsuggest otherwise. 

I request that Experian re-investigate my dispute in compliance with the law and take all necessary steps to correct any inaccuracies on my credit report. I would also appreciate a more transparent explanation of the actions taken during the investigation and any evidence considered. I am unable to provide any statements to them due to the fact I did not open the account.

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 2025-01-13 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: VA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently reviewed my credit report and identified several items that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the information. 

I request that you investigate the following items and take immediate action to correct or remove them if they can not be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please complete your investigation and notify me of the results within 30 days of receiving this letter, as required by the FCRA. Once the disputed items are modified or removed, kindly send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Should you require any additional information, please feel free to contact 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
On XX/XX/year> I was served with a lawsuit from XXXX XXXXXXXX XXXX on behalf of Velocity Investments LLC. The following business day I contacted the law firm to gather information and attempt to settle the debt. Since the initial contact, I have presented the law firm with XXXX settlement offers. On XX/XX/year> the collector I have been working with stated that their client, Velocity Investments, had declined my good faith offers and stated that her counter offer presented was a " final offer. '' She stated that I should no longer submit additional offers as " they will not accept even {$1.00} less '', claimed to have no knowledge on the pending judgment and stated to " call back in XXXX weeks for a status update '' rather attempting to come to agreement. I was escalated to a supervisor upon my request who admitted to me the collector had provided false information and confirmed that I was misled during settlement negotiations. The counter offer presented was not final as the collector stated. I believe that the collector and law firm are in violation of the FDCPA in their attempts to collect this debt by presenting misleading information and stating false information as fact. At this time I am requesting this suit be dismissed with prejudice due to the mishandling of this account.

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