vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies.

Disputed Item Details : * Creditor/Furnisher XXXX XXXX * account number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete for the following reasons 1- High Balance is showing wrong and inaccurate information 2-Date of Last Activity is complete inaccurate I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation.

Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. 

Thank you for your immediate attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or [ XXXX ] if you require any additional information. 
Sincerely, 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 2024-12-05 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-12-05 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:
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 explanation
Consumer complaint received 2024-12-05 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:
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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
Navy Federal Did not report XXXX credit card to any Credit reporting agency since XXXXXX/XX/XXXXcan see XXXX on or about XXXX and XX/XX/year>. The Mortgage department refused Mortgage XXXX and XX/XX/year> claiming they could not see XXXX account XXXX But was able to see it from the previous pull. I am the original true lender and creditor, and Navy keeps taking my credits and not extending them to the rightful owner Initial on auto loan XXXX and XXXX as well as XXXX and XXXX on the mortgage applications. The company sent a denial the first time. Then claimed they could see the report in which they can see actually.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$8100.00} XXXX  Date Opened XX/XX/XXXX Balance {$16000.00} 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 2024-12-05 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: PA

Complaint narrative:
SEE ATTACHED***** REGARDING INACCURATE AND INCOMPLETE AND UNVERIFIABLE ACCOUNT FOR XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
SEE ATTACHED***** REGARDING INACCURATE AND INCOMPLETE AND UNVERIFIABLE ACCOUNT FOR 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 2024-12-05 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my 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 2024-12-05 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: GA

Complaint narrative:
My information was exposed during a data breach. Please delete the following accounts within 4 business days under section 605b  : 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 2024-12-05 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : 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 I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 
I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 
Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was notified of an added account " CBNA/THD ''. I was going to look into and got busy with work. A few days later, I received a notification from XXXX XXXX of a new added account that matched above. I stopped what I was doing and looked into it further. I received on the same day notification from XXXX XXXX of a new added account, " CBNA/THD ''. 

I submitted disputes with XXXX, XXXX and XXXX. Recently I received notification of the results being " ACCURATE ''. 
It showed a phone number of who to contact if I want to continue disputing if I found the results to be incorrect. 

On Saturday, I called XXXX 6 times. 
One time, I input my social and the system couldn't verify my information. 
Four times, I was transferred to an automated machine for Home Depot, they couldn't verify my information with the last four digits of my social. 
When I called back Citibank, I requested to not be transferred due to getting an automated machine and not getting a chance to speak with a person because I can't be verified. A representative at Citibank couldn't find my information either besides my XXXX XXXX card. I told the representative that is exactly what I'm trying to dispute that I don't have this Home Depot card and their system can't verify my information so how is this account opened under my name. I was transferred over to the same company Citibank but to a department that opens loans. 

I'm not sure how the disputes were investigated if Home Depot and Citibank 's information can't verify me. I don't have a application number since I never started one with 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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Great Lakes Entities
State: MD

Complaint narrative:
I HAVE ASKED GREAT LAKES entities TO STOP CALLING ME EARLY MORNING BEFORE XXXX XXXX XXXX XXXX AND AFTER XXXXXXXX XXXX. i RECEIVE AS MUCH AS 10 CALLS A DAY.THE REPRESENTATIVE XXXX XXXX THREATENS ME AND IS BVERY ABUSIVE TO ME AS i HAVE EXPLAINED SEVERAL TIMES I AM UNDERGOING XXXX FOR XXXX XXXX AND SHE CALLS REPEADTLEY WHILE i AM UNDERGOING XXXX AND LEAVES HARSH THREATNING MESSAGES IF i DONT ANSWER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I was notified by mail that my card was on hold with no reason but to call and verify that it was me who made a payment. After I call I was told that my payment of the balance which was XXXX and some cents needed to be verified if it was from my bank account ( which made no sense to me ). I was given a fax number to send my bank statement. I got my statement and faxed it to the fax number and gave them a call back to remove the hold on the card. And now they are saying it will take 10 to 15 business days to receive the fax. The funds already came out of my account and I provided the documents and I still have to wait to verify it was from my account the payment was made. I'm not understand this, as long as payment is made why does it matter which account made the payment and shouldn't there system track where the payment is coming from. I just used this card one time and made a payment to pay the balance. I paid the XXXX dollars fee and also the XXXX fee and was not questioned about the account it came from but when I paid the balance it a problem now. I believe this company is looking to defraud customers and have them pay late fees and interest by not processing the payment on a timely manner.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I contacted Transunion regarding inaccuracies on my credit report and they did not respond in 30 days. The law states they must delete the information if they do not comply. I also requested they send me results of their investigation which they also did not do. This shows willful violation of the fcra. I also complained to other agencies.

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 2024-12-05 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:
XX/XX/year> Subject : Formal Complaint Against Experian for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate. 
15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXX XXXX XXXX. 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, 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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX XX/XX/year> XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Items and inaccuracies XXXX XXXX Account Dear XXXX, I am writing to formally dispute an error on my credit report regarding the XXXX XXXX account listed under account number XXXX. I have reviewed the details on my credit report and found inaccuracies that I request to be investigated and corrected. 

The issues with this account include the following : 1. High Credit Usage : The account shows 100 % credit usage with a balance of {$1600.00} against a credit limit of {$800.00}. However, this account is reported as closed. A closed account should not reflect active utilization in this manner. 

2. Payment History : The payment summary shows consistent " CO '' ( charge-off ) statuses since early 2024. I believe this information might be outdated or incorrect as I am unsure of its current validity. 

3. Account Status : Since the account is marked as closed, further updates or activity on the balance should not be reflected without further context. 

I request that you verify this account with the creditor and provide clarity on the following : - The current balance and how it is being reported despite the account being closed. 
- The validity of the payment history displayed for XXXX. 

Additionally, if the creditor can not validate these details, I request that this account be removed from my consumer credit report accordingly. 

Enclosed, I have included copies of my ID, a recent utility bill for address verification, and the screenshots of the credit report details for your review. 

Please investigate this matter and provide me with a response in writing. I appreciate your time and attention to this issue. 

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 explanation