vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Scherr & McClure
State: PA

Complaint narrative:
The credit company is reporting stuff that was taking off my credit and they are checking my credit without my permission they are things that are not supposed to be on my credit by law like closing accounts and the collections under the act.15 USC 1692g/ and the charge off accounts under the act 15 USC 6802 and the act 15 USC 6801 late payments are not supposed to be reported on a credit report under the act 15 USC 1666b and as well as Inquiries under the act of code 15 USC 16816 there are not supposed to be reported on my credit and the close account and charge off from the banks isnt supposed to report on my credit when they already pay they banks never reported that they sent me a 1099 form from them getting payments for my charge off accounts and all them hard inquiries is not mines and all 3 of my credit bureau system got hacked and there are things like somebody has ben using my credit as well.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
.List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I looked at my XXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I signed up for this program to build up my credit in which I would so fund my account around {$25.00} a month. I have contacted them and told them I did not want to use their service no more they continue to have this account on my credit even applied late fees and raise the amount of so-called funding. I have never had an account where I borrowed money from this company and I do not owe them any money and I could not be late because I never had any payment plan with them. I have asked him several times to remove it from my credit report and said they have had put two accounts on my account. This is fraud and I want to remove from my credit report completely I owe them nothing I have no contract with them and this should be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
What happened? 
On XX/XX/XXXX, I received a refund of {$1800.00} to my Amex account, resulting in a negative balance of {$1600.00}. 

On XX/XX/XXXX, I requested Amex to refund this balance via a mailed check, and the amount was removed from my account. 

By XX/XX/XXXX, I had not received the check, so I requested Amex to cancel it and instead send the refund via direct deposit to my XXXX XXXX checking account. 

On XX/XX/XXXX, the refund was reprocessed, and I was told I would receive the funds within XXXX business days. However, by XX/XX/XXXX, I had still not received the money. 

After following up on XX/XX/XXXX, I was told the delay was due to holidays, and the latest I should receive the money was XX/XX/XXXX. However, I never received it. 

At the end of XX/XX/XXXX, I contacted Amex again and was informed that, instead of depositing the refund into my checking account as requested, they mailed another check without my consent or any notification. 

To this day, I have not received the check and suspect it was never sent. 

What I Want from Amex : Immediate refund of {$1800.00} via direct deposit to my XXXX XXXX Checking Account. 
Proof of mailing for the check, or confirmation that it was never sent. 
Compensation for financial inconvenience caused by Amexs delays and errors. 
An explanation of why my refund method was changed without my consent. 
Amexs repeated mistakes have disrupted my financial planning, and I need a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
My background check came back with 3 felony counts which are incorrect.

Fleeing charge is an misdemeanor ( reindicted from felony to misdemeanor by judge ) Obstruction of an officer is an misdemeanor and also possession of drug related objects confirmed by superior court I need this corrected as soon as possible I can also provide proof Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/year> SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the United States mail system might constitute mail fraud under Federal and State law. 

You may wish to consult with a competent legal advisor before your next communication with me. 


XXXX XXXX - XXXX - I was never late on this item- This is paid as agreed and should not be reporting negatively on my report. 

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Regards, 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 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I found credit debts that I didn't make. And there are to collections on my history that I don't recognize. I believe my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XX/XX/XXXX Response from Navy Federal Dear Member, Thank-you for your e-Message. Our records indicate your requested cashier 's check was mailed on XX/XX/XXXX. According to the United States Postal Service, the check was marked for return to sender on XX/XX/XXXX as the payee was not recognized at the destination address. 

The tracking number indicates that the check is on its way back to us. Once we receive it, we will issue a credit to your account. 

The USPS Tracking Number containing your documents is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please let us know if we may further assist you. 

=============================================================== NAVY FCU is making me jump through hoops to get my {$45.00} back. 
I ordered a cashier 's check online, through my checking account. 
The website said it would be sent to me. So I figured I would order it and then in turn send it to the payee. 
The silly system NAVY FCU has in place, puts the PAYEE 'S name on the envelope, instead of my name ( website says it can be sent to ME ). In doing so, the post office refused to deliver it and the cashier 's check went back to NAVY. They received it back and the tracking is XXXX. So I would like my {$45.00} credited back, without jumping through hoops. Every time I try and email them the next staff member is worse than the one before. It's a circus. Please help me get my {$45.00} credited back to my account like they told me : ***The tracking number indicates that the check is on its way back to us. Once we receive it, we will issue a credit to your account. *** ***The tracking number indicates that the check is on its way back to us. Once we receive it, we will issue a credit to your account. *** ***The tracking number indicates that the check is on its way back to us. Once we receive it, we will issue a credit to your account. *** Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-16 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:
writing to file a formal complaint against TransUnion, for failing to oly with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 c. 1681e ( b ). Despite providing evidence that late payment entries on my credit report are curate, the credit bureaus have not corrected or removed these items. On XXXX Account number ended XXXX ( XXXX ) I ited the inaccuracies with all three CRAs, providing supporting documentation, including [ li ence, such as bank statements or payment receipts ]. However, the CRAs failed to investigat lispute properly, did not verify the accuracy of the information, and did not remove the leous late payments as required under 15 U.S.C. 1681i. er 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of formation reported on my credit file. By failing to correct the false late payment informatio have violated this obligation, which has harmed my creditworthiness. I request that the CFl vene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, a ve the disputed items from my credit report. I trust that the CFPB will take appropriate acti solve this matter and protect my consumer rights. ik you for your attention to this issue. erely, I would like all of my late payments to remove and show pay on time. XXXX XXXX XXXX Date of Birth XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: MS

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX org credit : XXXX XXXX  {$550.00} it's on there twice. XXXX org credit  : XXXX XXXX XXXX {$1300.00} XXXX org credit : XXXX XXXX {$550.00} XXXX org credit : XXXX  XXXX XXXX  {$1300.00} XXXX XXXX XXXX  XXXX org credit : XXXX XXXX {$1000.00} XXXX XXXX  XXXX org credit : XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX charge off XXXX XXXX XXXX  XXXX charge off XXXX XXXX closed XXXX XXXX XXXX closed 15 USC 1681 section 602A : states I have the right to privacy 15 USC 1681 section 604Ab section 2 states that a consumer reporting agency can furnish a account without my written instructions 15 UMC 1681 c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 UMC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or has reasonable cause to believe the information is inaccurate I have also reported identity theft and requested original contracts and have not heard nothing but it's being processed disputes because these accounts I have no idea about

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
I signed up for this program to build up my credit in which I would so fund my account around {$25.00} a month. I have contacted them and told them I did not want to use their service no more they continue to have this account on my credit even applied late fees and raise the amount of so-called funding. I have never had an account where I borrowed money from this company and I do not owe them any money and I could not be late because I never had any payment plan with them. I have asked him several times to remove it from my credit report and said they have had put two accounts on my account. This is fraud and I want to remove from my credit report completely I owe them nothing I have no contract with them and this should be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I feel that my information was part of the data breach in XX/XX/scrub> 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
I am demanding immediate action regarding fraudulent accounts that have been wrongfully placed on my credit report, directly resulting from the compromise of my personal information in the XXXX data breach. These accounts were opened in my name without my knowledge or consent, and the resulting damage to my credit is unacceptable. These accounts include : XXXX XXXX, balance : {$1800.00} XXXX, balance : {$3200.00} XXXX XXXX XXXX, balance : {$1800.00} These accounts have caused unauthorized hard inquiries and collections, including : XXXX - XXXX XXXX, XXXX Banks - 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 - XX/XX/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 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 This is a case of clear identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. Federal law mandates that you remove and block this fraudulent information from my credit report within four ( 4 ) business days. You are also legally required to halt all collection activity related to these accounts immediately. 

Your failure to protect consumer data during the XXXX breach is directly responsible for this situation. This is not just fraudit 's a direct result of your negligence. You are fully responsible for resolving it. Failure to do so will result in aggressive escalation through every legal and regulatory channel available. This is your final warning. 

I expect written confirmation that : The fraudulent accounts have been removed and blocked from my credit report. 
All collection activities related to these accounts have ceased. 
Do not delay. Act now. This matter must be resolved 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 2025-02-16 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:
Subject : Dispute of Fraudulent Accounts, Hard Inquiries, and Derogatory Marks I am writing to formally dispute inaccurate and fraudulent information that appears on my credit report. I am a victim of identity theft, as detailed in my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ). Under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of these items from my credit file. 

Fraudulent Accounts : The following accounts were opened without my authorization and must be deleted from my credit report : XXXX XXXX XXXX XXXX : {$660.00} Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Amount : {$200.00} Opened : XX/XX/XXXX Fraudulent Hard Inquiries : These inquiries were made without my consent and should be removed immediately XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Derogatory Marks : The collection account reported by XXXX XXXX XXXX is inaccurate and should be removed. I have not received proper documentation verifying that I owe this debt. XXXX XXXX. XXXX requires furnishers of information to verify its accuracy, and the burden of proof is on the collector. Since they have failed to provide proof, this debt should be deleted immediately. 

Additionally, I invoke XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) to demand that all communication from debt collectors regarding these fraudulent accounts cease immediately. 

I request that you : 1. Remove the fraudulent accounts, inquiries, and derogatory marks.

2. Provide written confirmation that these items have been deleted.

3. Investigate and verify the accuracy of the disputed items. 

Failure to correct these inaccuracies within the legally required time frame will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Enclosed are copies of my FTC Identity Theft Report, personal identification, and any other supporting documents. Please conduct this investigation immediately and respond in writing within the timeframe mandated by law. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX without prejudice

Company response to consumer: Closed with explanation