vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom it may concern, In XX/XX/2022 i moved from XXXX  to XXXX. On XX/XX/2022, I received a call from my bank asking if i authorize 3 transactions on my saving and checking accounts. My answer was NO! While I was on the phone with my bank, at the same time I was logging into my account and finding that all my money had been gone. The Crime was happening while I was on the phone with the bank representative. There were 3 unauthorized transactions happening when I said I DO NOT authorize any actions on my accounts. Money was moved from my saving into my checking account and cashed out with a teller and ATM machines. That exact moment I put claims of a fraud, I have all the reference numbers. The amounts were {$1500.00}, {$5500.00} and {$9500.00}. Location of the branch was detected so as a teller number n the numbers of the ATMs. I contacted county police in the state I was in and in the state fraud was committed. Reports were made. I visited the brach of my bank and with the help of a manager many applicable forms and letters of explanations were submitted. I received letters with denial to return stolen money. Many calls n disputes to a fraud departement were made and they honored 2 amounts and the largest one I am still fighting for. The bank failed by authorizing the actions I DID NOT authorize, no ID was asked at the time of money being taken out, no investigations were happening, no police was taking actions and to resolve this crime, checking the branch where the crime was committed. 
It has been a year. Please I appreciate any guidance and help. Thank u!

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 2023-09-14 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: MD

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.

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 2023-09-14 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: MD

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Applied for forbearance XX/XX/23 due to XXXX and huge reduction in income leading the inability to make payments short term. Flagstar has continued to provide NO communication or support regarding this process and instead has been misleading, sloppy, and unknowledgeable. Each call I make is different information and never consistent. All documents sent and not completed on their end in a timely manner leading me past the 60 day policy they have causing me to be unapproved. Appeal is pending as of yesterday due to their negligence. I have timeline of descriptive details regarding the process and have started the process of obtaining a lawyer to see how to proceed. Flagstar has the reputation of never offering assistance to their customers and in fact makes profit off of foreclosure which is why they are so negligent for their own benefit. This information coming from housing counseling who have worked with then multiple occasions.

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 2023-09-14 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: NV

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX- OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD INQUIRIES : 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 FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2023-09-14 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: NV

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX- OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD INQUIRIES : 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 FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Navy Federal, XXXX XXXX XXXX, XXXX, VA XXXX. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice.

USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Nothing happened. I did request a copy of the original contract that has not been released to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

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 2023-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern, I recently received my credit report from XXXX, Equifax, or XXXX, and I noticed some late payments listed under my consumer report. The account in question, XXXX XXXX XXXX acct XXXX, was previously owned by XXXX XXXX, which appears to be in violation of the law, specifically, 15 USC 1681b, which outlines the permissible purpose of consumer reports. According to the law : - Any consumer reporting agency may provide a consumer report only under certain circumstances, as defined by the law.

- The law specifies that a consumer report can be provided " in accordance with the written instructions of the consumer to whom it relates. '' I would like to inquire whether I provided written instructions to include this account on my consumer report. Additionally, the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( 2 ) ( a ) ( 1 ), outlines exclusions from a consumer report. It states : - The term " consumer report '' does not include reports that contain information solely about transactions or experiences between the consumer and the entity making the report.

Considering these legal provisions, I kindly request the removal of the late payment from my consumer report. Failure to respond satisfactorily by deleting the mentioned account and providing a free copy of my report after the necessary changes will leave me with no choice but to take legal action against your company. In such a scenario, I will also seek {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collection Practices Act, 15 USC 1692 4. Violations of the Fair Credit Reporting Act, 15 USC 1681, for willful noncompliance, including liability for willful noncompliance under 15 U.S.C 1681n.

This is me writing this information I have studied the consumer laws and I a consumer I know my legal rights.

Best Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: AL

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 informationisinaccurate.

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 2023-09-14 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: LEXISNEXIS
State: AL

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
From XXXX to XXXX I attended XXXX XXXX  who lied to me about loans, loan amounts, school loans, advertising of a degree and obtaining a job. They lied and misrepresented themselves and this was supposed to be a group discharge and I have seen nothing yet. They misrepresented themselves and then sold themselves to the XXXX  XXXX XXXX for XXXX and yes I am correct XXXX to get out of all the trouble they were in under the XXXX XXXX  name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
XXXX is not my adress & I would like it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon.

Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions.

Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The vehicle has been paid in full. I have the title and the attachment is a supporting documents are proof that the vehicle was paid. And I need this removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation