vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: NC

Complaint narrative:
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX Email : XXXX Subject : Formal Complaint Against Experian and XXXX XXXX XXXX for Failure to Accurately Report Credit Information To Whom It May Concern, I am filing this formal complaint against Experian and XXXX XXXXXXXX XXXX for failing to accurately report information on my credit report, despite my attempts to dispute the incorrect entries. 

Details of the Complaint : Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Closed at consumer 's request with a balance of {$39.00} Late Payments Reported : XX/XX/year> and XX/XX/year> Summary of the Issue : On my credit report, XXXX late payments have been reported by XXXX XXXXXXXX XXXX for the account listed above. These entries are erroneous, as the account is closed, and the balance has been resolved. The inaccurate reporting of these late payments is significantly impacting my XXXX XXXX and preventing me from securing critical funding for my business. 
Steps Taken to Resolve the Issue : I have disputed the accuracy of these late payments with Experian, requesting verification under FCRA Sections XXXX, XXXX, and XXXX. Experian has yet to provide any documentation from XXXX XXXX XXXX  that verifies these late payments. 
I have also contacted XXXX XXXXXXXX XXXX  directly to resolve this matter, but they have not corrected the inaccurate reporting. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Under FCRA XXXX XXXX, Experian is required to provide documentation verifying the accuracy of the reported information. To date, they have failed to provide such verification. 
According to FCRA XXXX XXXX, Experian is obligated to conduct a thorough investigation and correct any inaccurate information. Despite my dispute, no correction has been made. 
FCRA Section XXXX obligates creditors like XXXX XXXX XXXX to report accurate information. The bank has not corrected its reporting, even after being notified of the error. 
XXXX Requested : I am requesting that the CFPB intervene in this matter to ensure that : Experian is required to delete the inaccurate late payment entries from my credit report. 
XXXX XXXX XXXX corrects its reporting to reflect that the account was paid in full and closed without any late payments. 
I am notified in writing once these corrections have been made. 
The continued presence of this incorrect information on my credit report is causing undue financial harm and preventing me from securing necessary funding. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Phone : XXXX Email : 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-15 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: GA

Complaint narrative:
I am filing this complaint concerning inaccurate and unauthorized collections reported on my credit report by Equifax. I have previously informed the debt collectors responsible for these accounts to cease all communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which requires debt collectors to stop communicating after receiving a cease-and-desist request. Despite this, these collectors continue to report these accounts to Equifax, which effectively serves as a form of communication that negatively impacts my credit score and financial standing. This reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and remains on my report even after I disputed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX  " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Legal Grounds ( Fair Credit Reporting Act, FCRA ) : 1. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

2. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

3. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

4. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

5. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
XXXX XXXX XXXX ACCT # : XXXX XXXXXXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX THE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCT # : XXXX XXXXXXXX XXXX  ACCT # : XXXX XXXX XXXX XXXXXXXX ACCT # : XXXX XXXX XXXX XXXXXXXX. ACCT # : XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-11-15 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: TX

Complaint narrative:
I just recently looked at my credit report from ( EXPERIAN ) XX/XX/year>. I saw a hard inquiry that did not have permissible purpose. 

( XXXX, XX/XX/year> ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-15 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: MD

Complaint narrative:
I've 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 non-monetary relief
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
I've 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: NC

Complaint narrative:
i sent several letters to this company. XXXX XXXX  # XXXX has Charged Off this account, Therefore this account is considered a certificate of indebtedness. Certificate of Indebtedness is considered INCOME and can not be reported to a credit report. There- shall be removed immediately. To prove my identity, I have included copies of my passport and driver 's license. I've included a copy of the credit report with the same account for which Im requesting information and erroneous information correction. The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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 writing to formally request the blocking and deletion of fraudulent accounts from my credit report. These accounts were opened without my knowledge or authorization following a data breach involving my personal information. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts blocked and permanently removed from my credit file. 
XXXX Accounts XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Within the last XXXX  months XXXXXXXX XXXX  has charged me a total of {$2400.00} in Overdraft fees and OOPS fees. They have held large paychecks in the " pending '' status so the funds were not made available to cover an XXXX transaction dispite the posting date being that day which they charge me a {$29.00} return items fee. That items fee Overdraft my account so then I get charged an OOPS fee. This happened many times. 

Another frequent scam they do is the same thing but in reverse. They make my check available so I see there are funds in my account at the time I initiate transactions and then process them in such a wild way that eventually Overdrafts my account which i get charged several more Overdraft fees and return item fees. 

XXXX XXXX response when I asked several times for the fees to be returned they state their policy only allows them to return a maximum of XXXX fees a year. I've been charged hundreds in XXXX  months. 

Just from XX/XX/year> to XX/XX/year> I have been charged over XXXX dollars in return item fees that never should have been returned and that was all the money I had available. This created a hardship as they took all my money. At this time someone drove their SUV into the side of my house making another hardship. I sent XXXX XXXX  proof of this extreme hardship and requested they just return the most recent fees they took from me so I could have access to some funds given it's an emergency for my family which was flat out denied. This was escalated and denied again. It's been denied about XXXX times now. 

This credit union is making a profit off my extreme hardship which shows they are only veteran associated to target veterans for their own gain. Just horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TN

Complaint narrative:
Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXX & XXXX Account 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-11-15 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 am submitting a complaint about inaccurate and unauthorized collections being reported on my credit report by Experian. I have previously requested that the debt collectors handling these accounts cease all forms of communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which mandates that they stop communication after a cease-and-desist request. Nevertheless, these debt collectors continue to report the accounts to Experian, which serves as a form of communication that damages my credit score and financial well-being. This reporting also violates the Fair Credit Reporting Act ( FCRA ) because it is based on inaccurate information that remains on my report despite my dispute.

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 2024-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: IA

Complaint narrative:
Ford Motor Company has discriminatory pricing. Rebates for my zip code are {$2000.00} less than rebates in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I recently pulled my credit report and found some inaccurate account that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of purchasing a home for my family. Please review all of the documents below and remove the accounts that are listed.

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 2024-11-15 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: SC

Complaint narrative:
I have tried to update my address to a mailable address XXXX refused to complete the request by stating all history is suppose to be reported to my account that it shouldnt be reporting accurately. I called on XX/XX/XXXX at XXXXXXXX XXXXXXXX XXXX I have the documents ready to submit for my change! This is a violation of the FCRA and he stating that I maybe telling the truth and he will not remove it although it is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to update my address to a mailable address Experian refused to complete the request by stating all history is suppose to be reported to my account that it shouldnt be reporting accurately. I called on XX/XX/XXXX at XXXX XXXX XXXX. I have the documents ready to submit for my change! This is a violation of the FCRA and he stating that I maybe telling the truth and he will not remove it although it is reporting inaccurately.

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