vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient called me about 5 years ago and informed me I could no longer pay more money above my payments and direct it towards my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It XXXX Concern, I am writing to follow up on my previous dispute regarding inaccurate information that is still being reported on my credit file, despite my prior request for removal under the Fair Credit Reporting Act ( FCRA ). 
In accordance with the FCRA, I am entitled to have inaccurate or unverifiable information removed from my credit report. I previously identified the following accounts as incorrect and requested their removal : XXXX XXXX XXXX  Account Number : XXXX The specific inaccuracies in these accounts include : Date of Opening : The reported opening date is incorrect. 
XXXX XXXX : The listed credit limit is inaccurate. 
Last Reported Date : The last reported date does not match any legitimate records. 
Last Date Active : The listed last date active is inaccurate. 
Last Date of XXXX : The reported last payment date is incorrect. 
Payment History : The payment history does not reflect actual transactions. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my 1040 Tax Form, and as such, it should not impact my credit report negatively. Furthermore this is a Tax Implications Misrepresentation. The reporting of this debt may have tax implications that do not apply in my situation, and therefore, it should not be reflected in my credit report.

Despite my formal dispute, these inaccurate entries remain on my report. Under the FCRA, if the information can not be verified or is found to be inaccurate, the credit reporting agency is required to delete, this obligation was not fulfilled.

I am requesting immediate action to correct this situation. Failure to comply with the FCRA may result in further action on my part, as my credit report is continuing to reflect erroneous information that is harmful to my financial standing.

Please provide written confirmation that these inaccuracies have been investigated and removed from my credit report. I have once again included a copy of my credit report with the disputed information highlighted for your reference with proof. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-09-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It XXXX Concern, I am writing to follow up on my previous dispute regarding inaccurate information that is still being reported on my credit file, despite my prior request for removal under the Fair Credit Reporting Act ( FCRA ). 
In accordance with the FCRA, I am entitled to have inaccurate or unverifiable information removed from my credit report. I previously identified the following accounts as incorrect and requested their removal : XXXX XXXXXXXX XXXX Account Number : XXXX The specific inaccuracies in these accounts include : Date of Opening : The reported opening date is incorrect. 
Credit Limit : The listed credit limit is inaccurate.

Last Reported Date : The last reported date does not match any legitimate records.

Last Date Active : The listed last date active is inaccurate.

Last Date of Payment : The reported last payment date is incorrect.

Payment History : The payment history does not reflect actual transactions. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my 1040 Tax Form, and as such, it should not impact my credit report negatively. Furthermore this is a Tax Implications Misrepresentation. The reporting of this debt may have tax implications that do not apply in my situation, and therefore, it should not be reflected in my credit report.

Despite my formal dispute, these inaccurate entries remain on my report. Under the FCRA, if the information can not be verified or is found to be inaccurate, the credit reporting agency is required to delete, this obligation was not fulfilled.

I am requesting immediate action to correct this situation. Failure to comply with the FCRA may result in further action on my part, as my credit report is continuing to reflect erroneous information that is harmful to my financial standing.

Please provide written confirmation that these inaccuracies have been investigated and removed from my credit report. I have once again included a copy of my credit report with the disputed information highlighted for your reference with proof. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: RI

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 2024-09-25 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States XXXX XXXX means that anyone attempting to collect a debt from me is guilty under the false claims act [ XXXX XXXX XXXX XXXX XXXX I also was required to put money down for the transaction title XXXX XXXX sec XXXX all debts are United States XXXX and there is plenty more laws made by XXXX XXXX protect me as the consumer XXXX XXXX XXXX states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a XXXX XXXX XXXX banks cant loan money because theyre the borrowers. XXXX XXXX tell us how to use a negotiable XXXX XXXX XXXX. XXXX XXXX they arent supposed to report transactions XXXX XXXX XXXX I am the original creditor. XXXX XXXX XXXX finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of XXXX XXXX, XXXX XXXX of the XXXX XXXX, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the XXXX XXXX for XXXX gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-25 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: FL

Complaint narrative:
After looking at my credit report I noticed some fraudulent activity. Please remove the accounts from my credit report. They Are damaging my ability to obtain credit.

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 2024-09-25 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2024-09-25 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: NC

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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.

15 U.S. Code 1666b - ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S. Code 1602p - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

On top of the US code that has been violated, I have reasonable suspicion that there is various information within the report as inaccurate and hereby demand that the negative items impacting my credit reporting is hereby removed swiftly and promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: AR

Complaint narrative:
I have received a letter from both XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and both letters confirmed that THEY DO NOT REPORT TO CREDIT BUREAUS, NOR DO THEY VERIFY ANY XXXX  INFORMATION. Per the letters, the furnisher, XXXX Risk Solution purchased my personal public record on their own and WITHOUT MY PERMISSION, decided to report this negative information. 

THERE IS NO STATE NOR FEDERAL LAW THAT STATES THAT A XXXX HAS TO BE ADDED TO A CONSUMER CREDIT REPORT. I've asked them to delete this but they lied and said the court verified, and the letter attached, proves that the XXXX XXXXXXXX doesn't furnish this information. 

My privacy has been violated because I never gave written consent for this to be reported, neither was I sent any letter stating this would be added to my credit file ; I wasn't given the opportunity to dispute. 15 USC 1681 states I have a right to privacy for various reasons and any consumer agency and debt collector must have my written consent to report my personal information, OTHERWISE, ITS CONSIDERED IDENTITY THEFT. XXXX Risk Solutions purchased my personal information and decided to display it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: HI

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX decision to close my account without providing any clear explanation. I have contacted the bank several times requesting reasoning for this action, but their responses have been vague and non-specific. This lack of communication is creating unnecessary hardship for me as I try to manage my finances. 

My account was always in good standing, and I believe I am entitled to know why this action was taken. Furthermore, my attempts to open a new account with Wells Fargo have also been denied, with no proper justification provided.

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 2024-09-25 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX XXXX ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-25 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
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 the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation