vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
1. Incorrect Name : The name listed on this account is incorrect. Under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. As this is a material error, I request the immediate correction of the name associated with this account to reflect the correct details. Please update this entry accordingly.

2. Multiple Charge-Off Entries : Additionally, I have noticed that the account has been reported as charged off multiple times, which is an error. Under FCRA 605 and FCRA 623, a charge-off can only be reported once. The repeated reporting of charge-offs on this account is misleading and inaccurate.

As per FCRA 605, charge-offs are a one-time event and should only be listed once. The repeated reporting of charge-offs violates the guidelines set forth by the FCRA, as it misrepresents the status of the account.

I request that the multiple charge-off entries be corrected by ensuring that only one charge-off is reported for this account.

Request for Immediate Investigation : In accordance with 15 U.S. Code 1681i of the FCRA, I request a thorough investigation into both of these issues. Please provide proof from the creditor regarding the date and legitimacy of the charge-off ( s ) and ensure that the account is reported accurately, with the proper name and a single charge-off entry.

If the creditor can not substantiate the multiple charge-offs or correct the name, I request that the inaccurate entries be removed from my credit report. Please send me an updated copy of my credit report showing the corrections made as I requested XX/XX/year> Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: MS

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of several hard inquires such as : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquires have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-11-10 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: VA

Complaint narrative:
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  Subject : Request for Enforcement Against Equifax for FCRA Violations Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax. I believe that Equifax is in violation of 15 USC 1611, which pertains to criminal liability for willful and knowing violations, as well as 15 USC 1681, which focuses on the accuracy and fairness of credit reporting. 

Specifically, I have discovered that Equifax has reported my XXXX XXXX XXXX  XXXX account on my credit report, which unlawfully reports my transaction history. Under the FCRA, it is illegal for credit reporting agencies to furnish information that is not accurate or fair, and I believe this inclusion constitutes a clear violation of these legal standards. 

I kindly urge the CFPB to investigate this matter and enforce the necessary actions to compel Equifax to remove XXXX  XXXX XXXX XXXX account from my credit report. The continued presence of this account is adversely affecting my creditworthiness and financial standing. CFPB this account has been reporting my Transactions, Experiences for over 3 years. THE LAW CLEARLY STATES TRANSACTIONS ARE ILLEGAL. 

Thank you for your attention to this important matter. I look forward to your prompt action and response. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: VA

Complaint narrative:
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 Subject : Request for Enforcement Against Equifax for FCRA Violations Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax. I believe that Equifax is in violation of 15 USC 1611, which pertains to criminal liability for willful and knowing violations, as well as 15 USC 1681, which focuses on the accuracy and fairness of credit reporting. 

Specifically, I have discovered that Equifax has reported my XXXX XXXXXXXX XXXX XXXXXXXX account on my credit report, which unlawfully reports my transaction history. Under the FCRA, it is illegal for credit reporting agencies to furnish information that is not accurate or fair, and I believe this inclusion constitutes a clear violation of these legal standards. 

I kindly urge the CFPB to investigate this matter and enforce the necessary actions to compel Equifax to remove XXXX XXXX XXXX XXXX account from my credit report. The continued presence of this account is adversely affecting my creditworthiness and financial standing. CFPB this account has been reporting my Transactions, Experiences for over 3 years. THE LAW CLEARLY STATES TRANSACTIONS ARE ILLEGAL. 

Thank you for your attention to this important matter. I look forward to your prompt action and response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: DE

Complaint narrative:
They deleted an account of mine. Then restored it. Now it's missing information. Payment history account # credit limit etc and it's now listed under " other '' instead of " accounts '' as it once was. The account is my XXXXXXXX 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 2024-11-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My credit card was with XXXX XXXX  and I was paying on my credit card monthly .Out of the blue got a letter in the mail XXXX XXXX  was taking over my credit information and my debt only owed XXXX $ at the time and my credit limit was XXXX the transfer of companies, I didn't use my card for a month and was paying it off and I moved and I got a letter in the mail my card was maxed out and my information was now in the hands of a third party credit company named Midland Credit .Who harassed me for a whole year and a half came to my mother 's house with court papers sueing me for XXXX.Sending this lady with a XXXX car to my mom house twice of being sued.And I ended up getting on a payment plan of XXXX $ and paid XXXX $ to get on plan which I didn't believe I owed that much and is now asking for more payment back from XXXX XXXX.Now I think my identity has been comprised and exposed by third party company.All over parties stealing and buying out credit card companies without the proper knowledge.Than not reporting my payments to the credit bureau for a year and a half, my payments weren't being reported which is against the law and is a crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: MO

Complaint narrative:
There are inquiries on my report I do not recognize.

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 2024-11-10 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: MO

Complaint narrative:
There are inquiries on my report I do not recognize.

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 2024-11-10 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macys has yet to provide me the 1009-C that they filed in regards to my written off debt. They have also provided my private personal information to third parties ( credit reporting agencies ) without my expressed consent confirmed by my wet signature.

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 2024-11-10 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-11-10 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 dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
IN accordance with the fair credit reporting act account # XXXX has violated my rights 15 U.S.C1681 Section 602 A. States have the right to Privacy 15 U.S.C 1681 section 604 A section. 2 : It also States a consumer reporting Agency can not furnish A account without my written instructions

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 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have some many dates were I'd do a withdrawal from an ATM at XXXX 's near my home that says navy federal on it. I will go with between XXXX or XXXX but I have to pay fees and I never knew why I had to pay fees since the ATM SATs navy federal on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.

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 2024-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
Dealing with the original creditor, this is a case of identity theft The original creator have the FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
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 I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Made an eligible travel purchase through chase travel portal. Per the cardmember agreement this qualifies for {$50.00} statement credit. 
Have contacted the bank over a dozen times since the beginning of this year and have been getting a run-around stating they are 'escalating ' the issue. 

Received a physical letter dated XX/XX/year> which stated the credit should be issued within XXXX billing cycles '. 

Contacted Chase on XX/XX/year> and the agent mentioned she will again 'escalate ' the case for resolution.

Agent would not credit the {$50.00} as a manual reimbursement nor would they entertain any compensation ( points or cash ) for the utter inconvenience this has caused given the delay of nearly one year in resolving this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified the following items to be inaccurate. I disputed these items and I disagree strongly with the results. Please provide how this information was validated as required by 15 USC 1692g. Validation of Debt. 

XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-DELETED XXXX XXXX XXXXDELETED XXXX-VERIFIED AS REPORTED Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XX/XX/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 2024-11-10 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:
Upon reviewing my credit report, I have identified the following items to be inaccurate. I disputed these items and I disagree strongly with the results. Please provide how this information was validated as required by 15 USC 1692g. Validation of Debt. 

XXXX XXXX XXXXVERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-DELETED XXXX XXXX XXXX-DELETED XXXX-VERIFIED AS REPORTED Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XX/XX/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