vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please the inquires down below should not be on my credit report, thank you! 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union refuse to remove inaccurate information from credit report XXXX XXXX balance XXXX First pXXXX XXXXXXXX Both accounts are closed and charged off companies are still reporting inaccurate information to credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2024-12-17 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
From the provided details, the potential FCRA ( Fair Credit Reporting Act ) violations in this credit report include : 1. Inaccurate Information ( Section 623 ) : The Balance Updated date is listed as XX/XX/2024, a date in the future. Reporting future dates constitutes inaccurate and unverifiable information, which directly violates the FCRAs requirement that information must be accurate and up-to-date.

2. Charge-Off and Past Due Reporting : The account is marked charged off but still lists a past due amount of {$1100.00}. Once a debt has been charged off, it is no longer an active obligation and should not accrue additional past-due balances unless explicitly allowed under the loan agreement and state law. Improper post-charge-off reporting can be a violation of accurate reporting standards. 
XXXX Credit Usage XXXX XXXX XXXX  ) : The credit limit is listed as {$500.00}, while the balance is {$1100.00}, resulting in a credit usage of XXXX XXXX Reporting such extreme overages could indicate an error or failure to properly update account limits after charge-off, creating misleading or inaccurate data. 
4. Disputed Account Notation ( Section 611 ) : The comments section states that the account is disputed by the consumer. Under the FCRA, when a consumer disputes information, the creditor and credit reporting agency are required to : Investigate the dispute within 30 days.

Correct or delete unverifiable information.

If no proper investigation occurred, or the account continues to report inaccurate information, this could violate the consumers dispute rights.

5. Potential Re-aging of Debt : If the date of first delinquency is not accurately reported, creditors or credit bureaus may improperly re-age the account, extending the reporting period. Charged-off accounts can remain on a credit report for XXXX  years from the date of first delinquency. Verify that this account complies with that timeline.

This recurring issue will be met with legal action.

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/year>, I contacted Navy Federal Credit Union to report unusual activity on my account and requested the cancellation of my debit card, along with the issuance of a new one. I also informed the representative that I would be temporarily relocating to XXXX. Unfortunately, the agent handling my case appeared to be dismissive and questioned my requests, creating a sense of frustration. Additionally, I inquired if it would be possible to keep my savings and credit card accounts active while temporarily deactivating my checking account, as I had lost my wallet several weeks prior. Now all of my Navy Federal accounts are locked and XXXX cant access my money or pay my credit card bill. Ive been trying to verify my identity with them for the past XXXX weeks but they arent helping me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
On Monday XX/XX/year>, requested a return of fees for a returned fee as deposit should have been in account. Live chat with OceanFirst customer care informed me that they have already refunded a fee in may. After asking if one more fee could be waived they informed that they had changed their policy in XXXX of this year and only allow this once a year. This policy change ( which included the fee price change, and allowance for only one refund ) was not told to consumers ( this was asked by me ) and they told that as an internal change they did not have to inform their consumers. Having been a customer with them foXXXX XXXX XXXXears, this has been a shock. I then escalated to call to XXXX after having escalated the live chat to three different employees and supervisors ( XXXX, XXXX XXXX. XXXX then escalated the call to XXXX, who informed me that they could not refund the fee, but could call the local branch and see if they will. She called back within XXXX minutes informing me that they refused as fee wasn't " bank error ''. When asked how the fee in XXXX was refunded she did not have an answer, as I know for sure that neither of these were bank errors. These shady practices and not informing their customers of policy changes that affect their bank accounts is beyond deplorable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
Discovering that I have been a victim of identity theft has been deeply unsettling and frustrating. My personal information was used without my consent, resulting in unauthorized accounts and activities appearing on my credit reportaccounts that I have no connection to. Taking this matter seriously, I immediately filed a report with the Federal Trade Commission ( FTC ) as instructed by the credit bureaus. I submitted this report along with all necessary documentation, expecting a swift resolution. However, despite my efforts, these fraudulent accounts remain on my credit report, which is incredibly concerning given the potential harm to my financial stability and creditworthiness

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 2024-12-17 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: AmeriCollect
State: GA

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2024-12-17 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-12-17 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: FL

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NV

Complaint narrative:
1. Background and Issue : I am a victim of the Equifax data breach, which compromised my personal information, leading to unauthorized activity on my credit report. In response, I formally requested that Equifax delete fraudulent inquiries, as permitted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( a ). Despite my detailed written request, Equifax has failed to take action to remove these inquiries from my credit report, exacerbating the harm caused by the data breach. 2. Details of Unauthorized Inquiries : I am requesting that Equifax delete the following items : Inquiries : XXXX XXXX XXXX XXXX ( dated XX/XX/year> ) These items are the result of identity theft and are negatively impacting my credit report, adding further distress following the Equifax breach . 3. Equifaxs Failure to Act : Equifax has not acted on my request, despite my citing the specific legal provision, 15 U.S.C. 1681c-2 ( a ), that mandates blocking and deletion of fraudulent items due to identity theft. This inaction leaves me vulnerable to potential financial loss, as the unauthorized accounts and inquiries can affect my creditworthiness and credit score. Equifaxs lack of response not only violates my rights under the FCRA but also breaches its duty to protect consumers whose data it failed to secure in the first place. 4. Request for CFPB Assistance : I request that the CFPB intervene and compel Equifax to comply with my request to delete the fraudulent inquiries promptly. Equifax should be held accountable for : Addressing the inquiries resulting from the data breach and identity theft. Providing written confirmation that these items have been blocked and deleted from my credit report. Offering clear and timely communication regarding their actions taken in response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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 writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below. 
XXXX Accounts : XXXX. XXXXXXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1300.00} Fraudulent Inquiries : XXXX. XXXX XX/XX/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 2024-12-17 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/year>, a request for validation was made to Portfolio Recovery for a collection account placed in my consumer file. A second request was made on XX/XX/year>, to Portfolio Recovery through a dispute claim from XXXX yet Portfolio Recovery failed to respond. Under the Fair Debt Collection Practices Act 15 USC 1692g { 809 } ( a ), a debt collector must provide verification of any debt if such consumer request it.

Portfolio Recovery has continued to ignore my request for validation which is a direct violation of my consumer rights under 15 USC 1692g { 809 } ( a ) ( Validation of Debt ) of the Fair Debt Collection Practices Act. Failure to validate a debt prohibits me the right to dispute any account/debt placed in my consumer file. I have filed an additional complaint with the Office of the Attorney General to further protect my consumer rights. I intend to take legal action against Portfolio Recovery for non-compliance which is my right under 15 USC 1692k { 813 } ( a ) of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MN

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of fraudulent accounts and inquiries resulting from this breach.

Below are the details of the accounts and inquiries to be removed : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} XXXX. XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$14000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$20000.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 2024-12-17 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: MN

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of fraudulent accounts and inquiries resulting from this breach.

Below are the details of the accounts and inquiries to be removed : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} XXXX. XXXXXXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$14000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$20000.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
I have obtained a copy of my credit report and am writing to dispute the following information listed on my credit report with [ XXXX, EQUIFAX ] : Disputed Information : INQUIRIES : XXXX ) XXXX  XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX  XXXX This information is inaccurate because there re no records indicating I applied for any products nor proved for any products with any of these companies. 

Pursuant to 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and promptly correct any errors on my credit report. I have also filed a dispute regarding this information with the credit reporting agency.

Please provide me with a written confirmation of your investigation and any necessary corrections within [ 15 ] days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation