vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Details are as follows : collection/charge off XXXX Account Number : XXXX XXXX CARD Account Number : XXXX XXXX CARD Account Number : XXXX XXXX Account Number : XXXX XXXX CARD Account Number : XXXX XXXX CARD Account Number : XXXX late payment XXXX XXXX XXXX personal information Previous Address ( es XXXX : XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current XXXX ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX X CANCEL XXXX XXXX, CA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Dear Navy Federal Credit Union : HOW DARE YOU. 

On XX/XX/year>, you placed a restriction on my NFCU accounts -- my membership -- based on reports of fraud, specifically that I, XXXX XXXX, I'd committed fraudulent, unauthorized transactions via XXXX to unjustly enrich myself. The name of the party reporting : XXXX XXXX. She is my older sister. She is a homeless, car-less severally mentally ill felon, with multiple convictions involving identity theft where I am the listed victim. The transactions at issue occurred while my sister was incarcerated at the XXXX XXXX, KS XXXX XXXX in XXXX, KS. I had her possessions, I had her authority to manage her financials, open her mail, pick up her prescriptions, make and cancel medical appointments, I had her phone, her purse, her debit and other financial cards, I had her passwords to her accounts and her phone in general. I took care of her daughter. The " fraudulent '' transactions occurred at a time when I was paying hundreds of dollars to corrections vendors like XXXX and XXXX for services provided directly to my sister, XXXX XXXX, the same individual who, now, months later, has reported those transactions. I assure you I have a wealth of documentation and witness testimony to firmly substantiate the above. 

But you did not call me. You did not reach out to me. You restricted my accounts, you instructed whoever I spoke to the past XXXX days to tell me : accounts closed, no appeals. 

On the basis of what? I am a XXXX XXXX XXXXXXXX combat veteran, I am an attorney licensed in good standing in Missouri and the XXXX. XXXX, I did nothing wrong, except help a sibling when she needed me, and you have taken the word of a crazy person over XXXX of your members -- I have XXXX accounts with you -- without even bothering with a phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unveriflable Information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found lo be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately! 

XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
Checked credit file XX/XX/year> discovered accounts that were not mine and lots of wrong information on my credit report such as address. I have never opened any accounts, nor have I ever applied for any type of credit, the following accounts are being reported on my credit report and I have no knowledge of so it would have to be someone else information or ID fraud. The accounts below are being inaccurately reported on my credit report. 

XXXX XXXXXXXX XXXX  Reported balance XXXX opened XXXX XXXX XXXX XXXX Reported balance XXXX opened XXXX XXXX XXXX. XXXX XXXX Reported balance XXXX opened XXXX XXXX no knowledge of these accounts never had them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GFS II, LLC
State: MD

Complaint narrative:
XXXX financial wrote the balance off on thier taxes and reported it as a profit-loss and didnt provide me with a 1099c so that i could write it off as income. My credit report shows that XXXX XXXX wrote the account as an profit loss. XXXX XXXX are still reporting that i owe an balance even though they took a tax break. I am requesting a copy of the 1099c. If the company didnt write it as profit-loss the report is inaccurate as my credit report shows that they did. Under FCRA I can seek statutory damages for furnishing inaccurate information about a debt, such as incorrectly reporting a charge off, profit-loss while still claiming i owe a debt.

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

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!

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 2024-11-11 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: IA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I was enrolled in the oops navy federal.I was charged so many fees that shouldnt have occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear Experian, I am writing to dispute the presence of unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I have identified several hard inquiries that I did not authorize or recognize. These inquiries are negatively impacting my credit score and financial standing. 

List of Unauthorized Hard Inquiries : XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX MO - XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX I have not provided consent for these companies or institutions to access my credit report, and I believe these inquiries are unauthorized. As a result, I am requesting that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy and integrity of my credit profile. 

I kindly ask that Experian conduct a thorough investigation into these unauthorized hard inquiries and provide me with a written explanation of the findings. Additionally, I request that Experian take the necessary steps to remove these unauthorized inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this dispute and maintaining the accuracy of my credit information. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
I am writing to formally express my concern regarding my account with Opportunity Financial ( XXXX XXXX ). I have noticed that I have not received the Form 1099-C, Cancellation of Debt, which I believe I should have received following the write-off of my account.

According to the IRS guidelines, a cancellation of debt of {$600.00} or more must be reported on Form 1099-C. Since my account was charged off, I expected to receive this form as required. However, I have not received it, which raises concerns regarding my tax reporting obligations.

Failure to receive this form creates considerable uncertainty for me regarding how to accurately report my finances for the current tax year. I would appreciate your prompt attention to this matter and request that you provide me with the 1099-C form at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: FactorTrust, Inc.
State: SC

Complaint narrative:
ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX  THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Reporting on my credit report with a balance of XXXX reported to credit agencies that this was fraud and they never changed it said it was verified but that is not right because I never had any type of credit, I have never applied for credit in my life, so they never reached out to me and continues to report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I recently disputed the validity of XXXX XXXX XXXX that was being incorrectly reported on my credit profile. It was no surprise that the other credit bureaus deleted the account due to their inability to properly verify it, but Equifax have marked this account as verified. This is confusing to me. I have uploaded XXXX screenshots of the other credit agencies deleting the account I will need Equifax to do the same

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
I am writing to formally address an unauthorized credit inquiry made by your company, which I discovered while reviewing my personal credit report. The inquiry in question was made without my consent or authorization, and I did not authorize anyone employed by your company to access or view my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), you are prohibited from obtaining a credit report unless the consumer has granted permission through an express, signed authorization. Your companys failure to obtain my written consent or valid permission prior to conducting this inquiry constitutes a violation of the FCRA, infringing upon my privacy rights as a consumer.

This is a serious violation of my rights under the FCRA and other related privacy laws, such as the Privacy Act of 1974 and the Electronic Privacy Communications Act ( EPCA ). Unauthorized inquiries represent a breach of the statutory protections afforded to consumers by the federal government.

Given this situation, I am requesting that you provide me with a copy of the signed authorization form that granted you the right to access my credit report. Please send this document to the address listed above within five ( 5 ) business days.

If you can not provide proof of my authorization for the credit report inquiry, I demand that you immediately notify the credit bureaus to remove this unauthorized inquiry from my credit report. Additionally, I request that you remove all of my personal information from your records.

Please respond in writing to confirm that you have complied with my request. Should you fail to provide evidence of authorization or fail to remove the unauthorized inquiry within the requested timeframe, I will pursue all available legal remedies, including seeking statutory damages, punitive damages, and reasonable attorney fees under 15 U.S.C. 1681n.

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 2024-11-11 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: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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

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 2024-11-11 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: AR

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