vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have disputed the fraudulent credit card accounts being reported on my credit reports to no avail. This is very frustrating. Nobody is doing an actual investigation into the claims, yet the bureaus keep telling me the accounts have been " verified ''. Verified by whom??? They are not my accounts and can not possibly be " verified ''. The following accounts are not my accounts and need to be permanently deleted from my credit reports! 
XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage 95 % Balance {$6600.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - PAYMENT HISTORY LEGEND Status Closed. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$820.00} Highest balance {$7400.00} Monthly payment {$67.00} Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Completed investigation of FCRA dispute - consumer disagrees Your statement - Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$2600.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY  XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2600.00} Highest balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( 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 2023-11-18 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: DC

Complaint narrative:
I am submitting this complaints in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. The account are listed below that needs attention : XXXX XXXX  XXXX Balance Owed : {$5400.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$170000.00}

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am submitting this complaints in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. The account are listed below that needs attention : XXXX XXXX XXXX Balance Owed : {$5400.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$170000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: AR

Complaint narrative:
I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit report.The purpose of this letter is to formally register a complaint against the persistent errors present in my credit report. 

I have made repeated efforts to correct the inaccurate information in my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite my numerous attempts and the submission of supporting documentation, the inaccuracies persist, causing considerable distress and hindering my ability to secure fair financial opportunities. 

The inaccuracies in question include late closure, charge off and inquiries. I have attached copies of the supporting documents that verify the correct information and clearly demonstrate the errors in my credit report. 

Despite these efforts, I have not received any meaningful resolution or acknowledgment of my concerns. This lack of responsiveness is not only a violation of my rights under the FCRA but also an impediment to my financial well-being. 

I kindly request that you promptly investigate and correct the inaccuracies in my credit report. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. Please assist me to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXXXXXX  Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00}.

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 2023-11-18 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: AR

Complaint narrative:
I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit report.The purpose of this letter is to formally register a complaint against the persistent errors present in my credit report. 

I have made repeated efforts to correct the inaccurate information in my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite my numerous attempts and the submission of supporting documentation, the inaccuracies persist, causing considerable distress and hindering my ability to secure fair financial opportunities. 

The inaccuracies in question include late closure, charge off and inquiries. I have attached copies of the supporting documents that verify the correct information and clearly demonstrate the errors in my credit report. 

Despite these efforts, I have not received any meaningful resolution or acknowledgment of my concerns. This lack of responsiveness is not only a violation of my rights under the FCRA but also an impediment to my financial well-being. 

I kindly request that you promptly investigate and correct the inaccuracies in my credit report. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. Please assist me to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: TX

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: CA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX/ Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: SC

Complaint narrative:
I woke the morning of XX/XX/2023 to a text alert that a charge for {$8.00} to my CashApp account had been denied. ( I only had $ XXXX {$3.00} in the account ). I immediately looked to see if I still had my card, and I did. I had not made any charges to my account. Especially at XXXX. I was happy that whoever did not get any of my money. I looked on the actual cashapp app, and it said that a user named " XXXX XXXX '' had tried to make the {$8.00} charge. I have never heard of them, and did not authorize any charge. Concerned about my information being out there, I " chatted '' with cash app twice. I told them that all I wanted to know was where did someone try to make the charge? In other words, where is " XXXX XXXX? '' In the most polite way humanly possible CashApp would not tell me anything. They kept saying that cashapp doesnt know who XXXX XXXX XXXXs. Then they would slip and almost tell me. But they did not. Later on that Friday the XXXX, I XXXX  and found a phone number for CashApp. My call was quickly answered, and again in the most polite way, I was told nothing about the attempt to make a fraudulent charge on my card. The three people I spoke to held the line on the company policy not to tell thier consumers anything. I sincerely believe that as the individual targeted for robbery, I should be privy to at least where the attempted charge was made. Knowing this could tell me more about the situation, such as who may have stolen my card number. 
Thank you XXXX This revolves around a CashApp card I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  bankruptcy discharged Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-18 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: DE

Complaint narrative:
To whom it may concern, My issue is that there are a lot of inquiries that are on my credit report in which I did not request credit from the creditors.. I am asking that these inquiries be removed from my credit report because they were ran in error or they belong to someone else or they were ran fraudulently Thank you I am also sending an attachment of my FTC report with the same complaint as well 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 2023-11-18 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: MD

Complaint narrative:
I am writing to express my frustration and disappointment regarding the ongoing issues surrounding the correction of a late open account on my credit report. Despite multiple attempts to rectify this matter, the late open account continues to adversely affect my credit profile. 

I have diligently followed the dispute resolution process outlined by the Fair Credit Reporting Act ( FCRA ), submitting detailed disputes and providing supporting documentation to substantiate the inaccuracies in my credit report. 

Despite these efforts, the late open account remains unresolved, impacting my creditworthiness and causing undue stress. I have attached copies of the supporting documents that clearly demonstrate the errors in my credit report and validate my dispute claims. 

I kindly request an immediate and thorough investigation into this matter, with a focus on correcting the inaccuracies associated with the late open account. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. 

It is disheartening that my attempts to address this issue have not resulted in a resolution. As a consumer, I am entitled to accurate and fair reporting under the FCRA, and the persistence of this error is a clear violation of my rights. 

I request your prompt attention to this matter and a commitment to resolving the inaccuracies in my credit report. If necessary, I am prepared to explore all available legal remedies to ensure the correction of this issue and seek compensation for any damages incurred as a result of these inaccuracies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX Balance Owed : {$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 explanation
Consumer complaint received 2023-11-18 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY 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 don't 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 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