vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to dispute the charge off that appears on my credit report, which I believe to be inaccurate and incomplete. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), I am entitled to request that the credit reporting agency investigate and correct any inaccurate or incomplete information on my credit report. 

Specifically, I am disputing the accuracy of the charge off that appears on my credit report, which is a violation of the FCRA 623 ( a ) ( 2 ). The charge off was reported by XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX for an amount of {$1300.00} or {$0.00} I'm unsure? Date of Charge Off is unknown because does not show on credit report. Date of last payment says XX/XX/2022 but shows no payment history. However, I believe that this information is inaccurate and incomplete, which is a violation of the FCRA 623 ( a ) ( 1 ).

In accordance with the FCRA 611 ( a ) ( 5 ) ( A ), I have enclosed copies of my credit report to support my dispute. I request that you investigate my dispute and, if you find that the information is inaccurate or incomplete, correct or delete the information in accordance with the FCRA 611 ( a ) ( 1 ) ( A ).

Please send me a written response to this dispute within 30 days of receipt of this letter, as required by the FCRA 611 ( a ) ( 2 ) ( A ). If you are unable to complete the investigation within 30 days, please provide me with an explanation of the delay and an estimated completion date, as required by the FCRA 611 ( a ) ( 2 ) ( B ).

Thank you for your prompt attention to this matter.

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX certified that this account has never been late. I request the correct information be updated. Payment history and accuracy.

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX certified that this account has never been late. I request the correct information be updated. Payment history and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have tried to open an account with Navy federal multiple times and they keep denying me saying my information isnt correct. They wont tell me what is incorrect. I have never had an issue opening an account with any bank and I verified my identity at the local branch that was over 70 miles from me. Its really frustrating that I have to keep proving who I am and being told my information is wrong. Like how can a bank tell me who I am??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I am in the process of purchasing a home. I noticed that on my XXXX Credit report they show that I have an account that with One Main Financial company. I agree that I was 2 months late for a 60 day late payment however XXXX is showing 90 day 's late. I contacted OneMain and they agree that I only have one account. over the last 2 weeks my score on My account with OneMain is XXXX. This is the only account I have with this company. However they are reporting two on my account. I do not know what to do. I speak with XXXX and they tell me that they are initiating a dispute on my behalf but they do not contact OneMain. I contact OneMain financial and they inform me that they are reporting one account. One my other credit reports I have only one account. I have been hurt financially and emotionally by this. I am not longer able to get my VA loan approved. I am at the end of my lease for the current home I am in and will not have a place to live after the XXXX of this month. We did not resign the lease because we had met our eligible scores for a VA home loan. Now that XXXX and XXXXneMain has failed to do their job I no longer qualify for VA loan approval. I've been contacting them for almost a month now about this. I NEED HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
The fact that CFPB doesn't investigate on these consumer reporting agencies is an issue for the consumer. Chexsystem made false statement in regard to my dispute submission of a police report & failed to follow FCRA 605b below is the attached evidence include last complaint that CFPB decided to close.

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked Experian to remove 2 inquiries from my credit report because I think the rule for inquiries is that subsequent inquiries from the same industry ( mortgage loan shopping in this case ) are counted as one inquiries if submitted within 30 days of the initial inquiry. I have disputed this with Experian twice! Each time they interpret me as asking them to dispute the subsequent inquiries as if I do not acknowledge them. I do acknowledge the subsequent lenders inquiries but think they do not count because they occurred within a few days of the initial inquiry. Experians phone support do not get what I am disputing so then they submit dispute to the subsequent companies indicating that I did not initiate that request and I did! What is my recourse if Experian CAN NOT UNDERSTAND and address my concern and remove subsequent inquiries or provide an answer as to why they can not remove them. 

The information on the link below is why I think I am correct in my concern. The subsequent companies also know about this information and state that the credit bureau must make the correction unless I tell them that it was not me but it was me so they can not do anything to change the report! 

XXXX XXXX XXXX  Please tell Experian to remove the subsequent inquiries if the rule or law states it should be done. 

The 3 mortgage loan inquiries occurred on these dates : XXXX XXXX XXXX XXXX ( Initial Mortgage ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report Number - 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 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed my consumer report, which violates the FCRA and FDCPA. Jefferson Capital is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. On XX/XX/XXXX I got a letter from Jefferson Capital about an alleged debt, on XXXX/XXXX I sent a debt validation letter, on XX/XX/XXXX I sent a second debt validation letter. On XX/XX/XXXX Jefferson Capital stated they are closing the account but didn't mention about deleting it from my consumer report. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.

This is also a Notice exercising my rights to prevent the processing of my personal data by Jefferson Capital. Please be advised that providing a memorandum or other statement from your agency, stating that Jefferson Capital the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report immediately and send conformation. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give you Equifax, XXXX, or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you i

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my right. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instruction. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under 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 explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my right. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instruction. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, 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:
in accordance with the fair credit Reporting act. the list of accounts below has violated my federally prortected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. account name XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX  has violated my right to privacy. 15 usc 1681 section 602 A. states i have the right to privacy. 15usc.C 1681 secction 604 A section 2 ; it also states a consummer reporting agency can not funnish 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 imformation any other adverse item of imformation, other than records of conviction 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 anformation relating to a consumer any consumer reporting agency if the person knows reasonable cause to believer 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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
in accordance with the fair credit Reporting act. the list of accounts below has violated my federally prortected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXXXXXX. account name XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account name XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX has violated my right to privacy. 15 usc 1681 section 602 A. states i have the right to privacy. 15usc.C 1681 secction 604 A section 2 ; it also states a consummer reporting agency can not funnish 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 imformation any other adverse item of imformation, other than records of conviction 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 anformation relating to a consumer any consumer reporting agency if the person knows reasonable cause to believer 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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation