vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from 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 2024-09-26 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements. 
There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations. 
The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
Someone used my identity without my consent or knowledgement in XXXX Florida which I have never been a resident in the state of Florida. I contacted each collection and I was told that these accounts were opened in XXXX XXXX FL, which I never reside at. I have lived in Texas since XX/XX/XXXX, XXXX appear on my three bureau 's it shows multiple Collection account 's with : I HAVE PLACED A FRAUD ALERT AND A FREEZ ON XXXX, TRANSUNION, 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 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

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 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding identity theft that has directly affected me. Recently, I discovered that several bank accounts have been opened in my name without my authorization. This situation has caused significant distress and has raised serious concerns about my personal information being misused. I want to emphasize that I have never consented to the opening of these accounts, and I am deeply concerned about the impact this fraudulent activity has on my financial well-being and personal reputation. It is imperative that these accounts be removed from my name immediately to prevent any further complications or damage.

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 2024-09-26 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: IL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 explanation
Consumer complaint received 2024-09-26 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Account Information XXXX XXXX XXXX This is my third attempt to correct this information, I am writing to formally dispute the inaccuracies regarding my account with XXXX XXXX XXXX ( Account Number : XXXX ). This is my third attempt to have this issue resolved, and the ongoing inaccuracies have caused me significant stress and financial hardship. 

Identified Discrepancies : Inaccurate Charge-Off Reporting : The account reflects a charge-off status as of XX/XX/XXXX while also indicating prior charge-offs leading up to this date. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, all information reported must be accurate. The repeated charge-off status is misleading and does not accurately reflect the current state of the debt. 

Failure to Update Account Status : The account was last updated in XX/XX/XXXX, yet it shows a past-due balance of {$600.00} as of XX/XX/XXXX. Under FCRA ( 15 U.S.C. 1681c ( a ) ), creditors are required to update account statuses accurately. This failure to provide updated information misrepresents my financial obligations. 

Misleading Payment History : The payment history contains numerous charge-off statuses along with gaps indicating no data ( ND ). The Truth in Lending Act ( TILA ) mandates that payment histories must be clear and accurate. This confusing reporting misleads potential creditors and negatively impacts my creditworthiness. 

Duplicative Negative Reporting : The account shows overlapping charge-off and past-due statuses, which violates the FCRAs requirement for fair and non-misleading reporting ( 15 U.S.C. 1681e ). Duplicative reporting of negative information can unfairly harm my credit score and financial reputation.

Excessive Reporting Duration : This account is scheduled to remain on record until XX/XX/XXXX, which is unnecessarily lengthy for a charge-off that is inaccurately reported. Under FCRA ( 15 U.S.C. 1681c ), negative information should only be reported for a limited duration. The continued reporting of this inaccurate information prolongs its negative impact on my credit profile. 

Request for Resolution : Given the inaccuracies and the harm they have caused me, I request the immediate removal of this account from my credit report. If the inaccuracies can not be verified as correct, they must be deleted in accordance with FCRA ( 15 U.S.C. 1681i ( a ) ).

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 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I opened a business account with Navy Federal on XX/XX/2024. I received a large refund check from the Treasury Department and asked the person on the phone who opened my business account would there be a problem depositing the check. he said no and to come into the XXXX XXXX branch to deposit the check, in which I did. The check was verified by the teller and another bank employee. I was also on the phone with another Navy Federal staff because there was a flag on the account. The flag was taken off and the check was deposited in the account. I was told that I had to wait 5 days for the check to clear but I would have access to {$5500.00} the following business day which was XX/XX/XXXX. I had also opened a personal account on the XXXX of XXXX. On XX/XX/XXXX or XXXX I couldn't access my business checking account so I called member services and was told that the branch was still processing the check. I called again on XX/XX/XXXX and was told by a different member representative that there was suspicious activity on the account and that I had to call their Business Membership Risk Department, in which I did. I asked why I couldn't get access to my account and the man stated that the IRS had cancelled the check I deposited and that I could never do business with Navy Federal again. I asked did the IRS say why the checked was cancelled and he told me I had to call the IRS in which I did. I was told by an IRS representative that the check was paid. I called XXXX XXXX again on XX/XX/2024 and spoke with a woman named XXXX and she said my account was being closed because of suspicious activity and that a audit was being done on my account. I didn't understand what suspicious activity she was talking about because the account was new. She then told me that the funds that were left in the account would be sent to me in XXXX to XXXX business days. Which I asked her how much was in the account and she told me. It was over {$700.00} XXXX XXXX dollars. So my question is, Why tell me that the IRS cancelled the check when there were funds in the account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I was a victim of XXXX  XXXX  and debt XXXX. Lost my job and many other things. I am trying to put my life back together. Bank of American has been reporting late payments on a vehicle that i purchased which was stolen. I havent been able to pay the full amount due since ive been release from bondage in XXXX XXXX trying to secure a new job. I have attached all the documents needed. My new license and address info is also included.

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 2024-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: MD

Complaint narrative:
I am opening up a new complaint as Vance & Huffmans response to my first complaint was inaccurate and misleading. Vance & Huffman to this day ( XX/XX/year> ) has yet to send me written notification as to who they are. They claim to have sent me notification on XX/XX/year> and I told them they did not ; I asked them to simply re-send what they claim to have already sentthey have not. I have checked my spam email and my inbox, there is nothing from Vance & Huffman. They also have my physical address to mail items. If they truly sent something, it should be easy to simply re-send yet they have not. I do not know who this company is, I have no documentation as to name, mailing address, when alleged debt was obtained by Vance & Huffman, account numbers, nothing. I had never heard of this company until I received a credit report alert on XX/XX/year>. It is my right to receive validation information within 5 days of first contact ; I have never been contacted by this company. I had never heard of them prior to receiving a credit report alert which prompted me to contact them. I have no emails, I have no voicemails, I have no physical mail. I do not know who this company is yet they placed a collection on my credit report. The online reviews of Vance & Huffman suggest that this is a practice they repeatedly engage in ; to place collection accounts on credit reports without having sent information on debt collection rights and validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-26 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: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-26 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: CREDIT ACCEPTANCE CORPORATION
State: VT

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681b a report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my credit report. 
Here is a link to the law https : XXXX Credit Acceptance is reporting about my transactions and the law states that those transactions shall be excluded. I want my transactions excluded from 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 explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
PLEASE REMOVE ALL ACCOUNT! AS PER THE GUIDANCE FEOM THE CFPB THE DOCUMENTS NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX WHICH FALLS UNDER TRAFFICKING ACCORDING TO XXXX ACCORDING TO XXXX  DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM MY CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$0.00}, XXXX XXXX  XXXX {$0.00}, XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}

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 2024-09-26 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: TX

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my 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 2024-09-26 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief