vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: OH

Complaint narrative:
i checked my credit report in XX/XX/ because I am trying to purchase a house for my family and I. I wanted to surprise my children and my fianc with a new home and when i checked, I saw there was multiple fraudulent Collection accounts on my consumer reports along with several addresses that do not belong to me. I have been living at XXXX XXXX XXXX, XXXX OH Since i was in middle school and have not resided at any other address since then. The following addresses do not belong to me : XXXX XXXX XXXX, XXXX, oh XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX AZ, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX AZ, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ. THE FOLLOWING FRAUDULENT COLLECTION ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error.

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 2024-01-23 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-23 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: NJ

Complaint narrative:
Multiple times from XXXX to XXXX Ive disputed XXXX XXXX for their constant reporting on my credit report of late payments when it is a closed account which goes against Fair Credit Reporting. A closed account can not be late or continue to report on my credit as a late account for four years resulting in multiple credit denials. Most recently Ive written EQUIFAX and XXXX asking them for validation of debt as well as proof of investigation and the means in which they affirm that the late reporting of a closed account is within Fair Credit Reporting practices. All of which times both companies ignored my request and sent me notice of an updated resolution that was exactly the same as before the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
Multiple times from XXXX to XXXX Ive disputed XXXX XXXX for their constant reporting on my credit report of late payments when it is a closed account which goes against Fair Credit Reporting. A closed account can not be late or continue to report on my credit as a late account for four years resulting in multiple credit denials. Most recently Ive written XXXX and XXXX asking them for validation of debt as well as proof of investigation and the means in which they affirm that the late reporting of a closed account is within Fair Credit Reporting practices. All of which times both companies ignored my request and sent me notice of an updated resolution that was exactly the same as before the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
I am coming to you because I'm a victim of Identity theft. There are a lot of things on my credit report that are inaccurate due to fraudulent activity. Someone has stolen my identity and opened accounts using my personal information. I've been complaining with the credit bureaus to have these accounts removed but nothing has been done. I don't recognize the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX acct number XXXX for {$1200.00}, XXXX XXXX XXXXXXXX XXXX XXXX ) acct number XXXX for {$100.00}, XXXX XXXX acct number XXXX {$14000.00}. I'm seeking your help to have this fraudulent information 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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error.

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3600.00} XXXX XXXX XXXXXX/XX/XXXX {$130.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX Sheriff Officer delivered a notice of civil action suit to my residence that was filed in the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia. The Law Firm of Brock & Scott PLLC is the plaintiff ( XXXX XXXX, XXXX XXXX  XXXX. ) attorney attempting to collect a debt by filing a civil suit I do not know of. This is a direct violation of 15 USC 1692e ( 4 ) - the threat to suit is illegal in the collection of ANY DEBTS. This is a right secured to me by the code herein and the 4th Amendment of the US Constitution. This law firm also directly violates 15 USC 1692e ( 3 ) because you can not represent as an attorney and collect a debt at the same time without being a debt collector. I appeared in court on XX/XX/XXXX, the judge stated a notice of change of hearing to XX/XX/XXXX due to Brock & Scott PLLC requesting for additional time to state their claim. I filed an Affidavit of Demand for Validation in the court on XX/XX/XXXX, demanding that XXXX XXXX XXXX XXXX, N.A.-Brock & Scott PLLC , provide the original signed contract between XXXX XXXX XXXX XXXX  XXXX XXXX. and myself explicitly stating my consent to the debt and the term of repayment. As well as a complete record of all books of accounting and ledgers evidencing any loss or harm sustained by their office for providing the undersigned with any services including all contracts compelling my performance following said contract bearing my wet ink signature seal and be certified for my inspection. I sent the company a copy of the filing certified copy mail receipt number XXXX. XXXX XXXX XXXX XXXX, XXXX- Brock & Scott PLLC has not responded to my Affidavit. An unrebutted affidavit stands true in commerce. I hereby declare I have not entered into any agreement of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NE

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.

15 U.S.C 1681 section 602 A. States I 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2024-01-23 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: UT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-01-23 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: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This Inquiry is unauthorized according to 15 USC 1681B2. This inquiry is listed as follows on my credit report as XXXX XXXX dated XXXX, XXXX XXXX XXXX  dated XXXX, XXXX XXXX XXXX  dated XXXX, XXXX XXXX XXXX XXXX  dated XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  dated XXXX, and XXXX XXXX XXXX dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NE

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.

15 U.S.C 1681 section 602 A. States I 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-01-23 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: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach .I want these items Deleted from my credit reports effective Immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports and remove all those negative accounts

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 2024-01-23 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: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX breach .I want these items Deleted from my credit reports effective Immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports and remove all those negative accounts

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 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
When I signed up for the XXXX XXXX card, I was told there was " No '' interest for 12 months on charges I made. Once the 12 months expires, I will begin paying interest on whatever my balance is. 
I have been making all of my monthly payments on time and over the minimum due. I logged into my account today, and noticed that I was charged interest of {$400.00} on XX/XX/XXXX. Upon further inspection of my statements, I also noticed I was charged {$130.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX all in interest charges. 
I called to Comenity Bank to find out why. I was told it was deferred interest charges. Once the promotional XXXX interest ends, I am charged 32.24 % interest rate for the entire charge made 12 months ago even through I have made every payment on time. I explained that I was never told it was deferred but that it was XXXX interest for 12 months, if balance wasn't paid off in 12 months, interest would start at the current balance. The supervisor said that they would have told me on the website about the deferred interest but this never occurred. 
They were unable to help me remedy this, so I asked that the account be closed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
this place is listed on my credit as national credit system but the original debtor is XXXX XXXX however they are now owned by XXXX XXXX i advised them i never stayed applied nor visited this location ever and they have failed to remove from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I applied for the scra through navy federal to lower my interest rate on my credit card. My process was approved with only the refund to my account, but my interest remained at 18 %. Under XXXX  law, as with still being XXXX XXXX, my interest rate should be capped at 6 %. Following up with Navy Federal, they stated that my credit card interest will not be dropped. They stated that previous charges were accounted for with the lower interest rate and that all current charges and payments will remain the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NC

Complaint narrative:
Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX  ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate..

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.

3. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 4. 15 USC 1681b ( a ) ( XXXX ) ( a ) XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
5. 15 U.S Code 1681q. Obtaining information under false pretenses XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
6. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX If you are unable to verify the accuracy of this account, then please update it to show that it is paid as agreed and is never late.

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