vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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 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, MA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Late/Closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL is claiming that I opened an account in XXXX of 2023. There is no way that happened.. I have no knowledge of this account as they are claiming to be the original debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
the total {$18000.00} is a charge off. if this account was indeed charged off then why did I not receive a copy of a 1099c from the creditor. they got a tax write off and I should not have this debt reported on my credit profile. send me any forms or any documentation showing that you have the right to report this as a debt if you can not do that please remove this account from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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:
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 Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXXXXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXXXXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXXCharged off XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXX Account Number XXXX Date Open : XXXX XXXX, XXXX Balance : $ XXXXLate/Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$5500.00} Collection XXXX XXXX XXXX, XXXX, AZ, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Open : XX/XX/XXXX Balance : $ XXXX-Late/Open XXXXXXXX XXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : $ 10,956.00-Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXLate/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Springs Oaks Capital LLC is claiming I opened XXXX separate accounts on XX/XX/year> in the amounts of {$620.00} & {$630.00}. However, I have no knowledge of this debt. Spring Oaks Capital LLC is stating that they are the original debtors so I would love to see documentation with my signature confirming these contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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 : XXXXXXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open XXXX XX/XX/XXXX Balance : {$1400.00} Late/Open XXXX XXXX XXXX  Account # : XXXX Date open : XX/XX/XXXX Balance : XXXX XXXX-Late/Open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection services are attempting to collectva debt I have no knowledge of. Stating that the are the original debtors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX OneMain Financial Group XXXX XXXX XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX Subject : Dispute of Unfamiliar Credit Inquiry Dear OneMain Financial Group, I am writing to formally dispute an inquiry that appears on my credit report, made by your company. The inquiry details are as follows : Company Name : OneMain Financial Group Inquiry Date : XX/XX/XXXX Comment : Unspecified ( Scheduled to continue on record until XX/XX/XXXX ) I do not recall authorizing or initiating any transaction or inquiry with OneMain Financial Group. I kindly request that you provide me with verification of this inquiry, including any documentation proving my authorization. 

If this inquiry is found to be inaccurate or unverified, I request that it be removed from my credit report. 

Under the Fair Credit Reporting Act, I ask that you conduct a thorough investigation and provide the results within 30 days. Please send any responses or documentation regarding this dispute to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: SC

Complaint narrative:
I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: NY

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 XXXXXXXX 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kentucky Higher Education Assistance Authority
State: GA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
Company reporting on my account. 
Company reporting charge off XXXXwrite off Refuse to send proper XXXX for tax filing The proof of inaccuracies FRAUD WARNING AGAINST REPORTING 15 USC 1681 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I made my minimum payment on my credit card on the due date of the XXXX with my debit card. I still got charged a XXXX late fee for the card not being processed until the next day which is ridiculous. I contacted the company and was told I needed to pay it by XXXX. Thats very unfair for people who pay bills on the day they are due. I thought I had until midnight or at least XXXX on the XXXX. I think the practice of charging someone a late fee on the same day of the payment is very unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-16 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: VA

Complaint narrative:
I have been disputing these fraudulent and inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15. U.S. Code. 1681a ( 2 ) ( I ). states that the consumer report does not include information solely as to transactions or experiences ( payments History, charge off status ), between the consumer ( myself ) and the person ( Navy Federal Credit Union ) making the report. Additionally, 15 U.S. Code 1681 s- 2 ( a ) ( 1 ) ( A ) states that A person ( Navy Federal Credit Union ) shall not furnish any information relating to a consumer ( me ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Navy Federal Credit Union can not collect on a discharged debt. This is now considered a certificate of Indebtedness per the IRS and income Can Not be reported. The IRS Clearly defines a charge off As Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! So, XXXX is now in violation of the FCRA. The reporting of this as A debt is inaccurate. I never received a 1099 - C Form from Navy Federal Credit Union for the canceled debt of ( { {$75000.00} } ) in order to file as ordinary income. Where is my 1099-C? Navy Federal Credit Union is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debt greater than ( { {$600.00} } ). This is unsatisfactory! Navy Federal Credit Union and XXXX have been HEREBY PUT ON NOTICE That they are furnishing incorrect inaccurate information. I have the right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal and verbal per 15 U.S. Code 6802 I'm NOW OPTING OUT of anymore further reporting of this account after XXXX has updated the account to PAID AS AGREED, I AM INVOKING MY SPECIFIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITHHOLDING MY DISCLOSURES, Pursuant 15 U.S. Code 6802 ( B ) Again XXXX is in direct violation of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also stating a consumer reporting agency can not furnish an account without my written instructions. UPDATE THE BELOW ACCOUNT FOR ALL CONSUMER REPORTING AGENCIES. 


Account name : NAVY FEDERAL CREDIT UNION Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation