vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: DE

Complaint narrative:
I have reviewed my consumer credit reports and there is inaccurate information ; inconsistent late payments reporting on accounts that I have never been late on. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The account in discrepancy is as follows : XXXX XXXX  Account # XXXX I have provided a screen shot of my XXXX Credit Bureaus Report with the late payment discrepancies circled in red.

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: DE

Complaint narrative:
I have reviewed my consumer credit reports and there is inaccurate information ; inconsistent late payments reporting on accounts that I have never been late on. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The account in discrepancy is as follows : XXXX XXXX  Account # XXXX I have provided a screen shot of my XXXX Credit Bureaus Report XXXX the late payment discrepancies circled in red. 

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Just overtime, received overdraft fees, when account was showing enough money in the account. 

Have overdraft protection Been a member since 2015

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 2024-12-28 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and my personal and financial information has been compromised. As a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
I am writing to inform you that I am a victim of a data breach and my personal and financial information has been compromised. As a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00}

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 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I was getting charged for services that was never provided not only was I charged for services not provided for myself but they were charging me twice the amount around XXXX XXXX XX/XX/year> My wife called and had hers cancelled but I stuck with it hoping it would change and nothing did absolutely nothing result customer service was very unprofessional and said that they did not car about helping me resolve the issue. Never issued any type of refund for time wasted. They told me the first 30 days were free when I signed up but ended up charging me the very next day then again right at the end of the 30 days twice the amount which was suppose to be {$150.00} but it ended up being {$300.00} or more again with no services being provided. And then when I called to ask again the lady said dont call then for 30-45 days because thats when they would reach out to me to tell me a progress report on how things was going and of course I waited and never got the call. It was a horrible experience I have worked with another company that actually did what they said they would do and was very professional this Lexington law company is a fraud company they send out emails still trying to get me to be apart of their fraudulent business practices and I never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and as a result, my personal information has been compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted : Fraudulent Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$6900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and as a result, my personal information has been compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted : Fraudulent Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$6900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$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 explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-12-28 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions.

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 2024-12-28 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:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions.

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 2024-12-28 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XXXX XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX : action : exposed to data breach Pursuant 15 USC 1681, section 602 XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX/Fortiva XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XX/XX/XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Kikoff Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XXXX XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX : action : exposed to data breach Pursuant 15 USC 1681, section 602 XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 Kickoff Lending LLC, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XX/XX/XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I'm disputing this account on my Experian report because I believe there is an error. According to the Federal Trade Commisions ' guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the creditor/ collection agency to no avail, and I would like to request that Experian investigate this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.

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 2024-12-28 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: NY

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
XXXX {$11000.00} XX/XX/year>, XXXX XXXX {$670.00} XX/XX/year>, XXXX XXXX XXXX XXXX XXXX$5600.00} XX/XX/year>, XXXX {$1400.00} XX/XX/year>, XXXX XXXX XXXX {$2400.00} XX/XX/year>, XXXX XXXX {$160.00} XX/XX/year> XXXX XXXX XXXX {$380.00} XX/XX/year> XXXX XXXX XXXX {$910.00} XX/XX/year>, THESE ACCOUNT ARE NOT MINE MY INFORMATION WAS EXPOSED IN THE DATA BEACH FCRA LEVERAGE LAWS.

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 2024-12-28 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: GA

Complaint narrative:
XXXX {$11000.00} XX/XX/year>, XXXX XXXX {$670.00} XX/XX/year>, XXXX XXXX XXXXXXXX XXXX {$5600.00} XX/XX/year>, XXXX {$1400.00} XX/XX/year>, XXXX XXXX XXXX {$2400.00} XX/XX/year>, XXXX XXXX {$160.00} XX/XX/year> XXXX XXXX XXXX {$380.00} XX/XX/year> XXXX XXXX XXXX {$910.00} XX/XX/year>, THESE ACCOUNT ARE NOT MINE MY INFORMATION WAS EXPOSED IN THE DATA BEACH FCRA LEVERAGE LAWS.

Company response to consumer: Closed with explanation