vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Account name : COMMUNITY LOAN SERVICING I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/year> and XX/XX/year>. 

I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. 

Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-28 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On or around XXXX XX/XX/year>. Complainant submitted a detailed dispute notice through myequifax.com regarding false and misleading payment history regarding an Navy Federal Credit Union ( " NFCU '' ) credit card account. Specifically Complainant identified a false and misleading payment rating for the month of XX/XX/year>, which was reported by XXXX as 30 days past-due. Complainant pointed out that no such payment was due in the month of XXXX due to a payment modification. Attached to complainant 's notice of dispute was an approval notice from NFCU that indicated the account had a payment deferral from XXXX XX/XX/year> through XXXX XX/XX/year>. XXXX communicated the notice of dispute and accompanying documentation to NFCU. On XXXX XX/XX/year>, XXXX returned the results of the dispute investigation, which continued to show the 30 day past-due payment rating. XXXX 's purported investigation took less than twenty-four ( 24 ) hours making it unlikely that any substantive, reasonable investigation was conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed XXXX Account # XXXX several times with each bureau Each time this Account come back verified. How is this possible because each bureau is reporting different things XXXX is reporting this account as discharge in Bankruptcy but Equifax and XXXX are reporting it as a charge-off, also XXXX and Equifax both are saying the status of the account is undetermined if it a charge off it should be a close account. None of the closed dates are matching for each bureau if they all receive their information from the same place why is everything reporting so different. I want them to do the proper investigation, If they fail to conduct the proper investigation I have no choice but to consider legal options I have attached a copy of my Id and a copy of my credit report as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed XXXX Account # XXXX several times with each bureau Each time this Account come back verified. How is this possible because each bureau is reporting different things Experian is reporting this account as discharge in Bankruptcy but XXXX and XXXX are reporting it as a charge-off, also XXXX and XXXX both are saying the status of the account is undetermined if it a charge off it should be a close account. None of the closed dates are matching for each bureau if they all receive their information from the same place why is everything reporting so different. I want them to do the proper investigation, If they fail to conduct the proper investigation I have no choice but to consider legal options I have attached a copy of my Id and a copy of my credit report as proof

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV FUNDING LLC Open status {$790.00} XXXX XXXX XXXX XXXX Open status {$430.00} XXXX XXXX XXXX Open status {$360.00} XXXX Open status {$640.00} XXXX XXXX XXXX Open status {$280.00} I don't believe these debts being reported on my credit report are valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/year>, I contacted Synchrony Bank regarding multiple credit card accounts ( Sam 's Club card ending in XXXX, Amazon Store card ending in XXXX, and HSN card ending in XXXX, PayPal as well as my JC Penney and TJ Maxx cards ) due to repeated credit limit reductions. These reductions occurred despite a record of 100 % on-time payments and strong account standing. This practice has resulted in higher credit utilization, negatively impacting my credit score, despite my responsible credit behavior. 

During the call, I expressed that these credit limit reductions seemed unfair, especially as they were based on factors not communicated to me, and despite my maintaining a perfect payment record. After my call, Synchrony placed an unauthorized statement on my credit report without my consent or prior notification. 

Over the past six months, my credit limits have been lowered three times, leading to increased credit utilization that has caused my XXXX score to drop. I believe these actions are unfair and potentially discriminatory, as Synchrony Bank has taken these actions without regard for my consistent, on-time payments and responsible credit usage. I request that my original credit limits be reinstated and the unauthorized statement removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CATHAY BANK
State: FL

Complaint narrative:
Date : XX/XX/year> Your Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL Phone Number : XXXX Email : XXXX Cathay Bank Credit Card Account Number : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I am writing to submit a formal complaint regarding the transfer of my Cathay Bank Mastercard credit card account to Pinnacle Bank , a Tennessee-based bank , without prior notification or my consent. This transfer has resulted in several issues that have negatively impacted my ability to manage the account and make timely payments. 

Specifically : Lack of Notification : I was not informed in advance about the transfer of my credit card account from Cathay Bank to Pinnacle Bank. 
Access Issues : Cathay Bank has removed all access to my account, including the online portal that I used for managing payments. 
No Instructions for New Access : I have not received information or instructions on how to access my account at Pinnacle Bank to make payments or manage the card. 
Missed Payments and Credit Impact : As a result, I have been unable to make payments on time, risking late fees, interest accrual, and damage to my credit score. 
I respectfully request the following actions to be taken : Immediate restoration of account access or instructions on how to access my account with Pinnacle Bank. 
Waiver of any late fees or penalties that have accrued due to the lack of communication and access. 
Confirmation of payment processing channels to avoid further delays. 
An explanation of the account transfer process and missing notification. 
This situation has caused significant inconvenience and could have serious consequences on my credit record if not addressed promptly. Please investigate this matter and provide a swift resolution. I expect your assistance in ensuring that the necessary corrections are made and that my consumer rights are respected. 

Thank you for your attention to this issue. I look forward to a prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NATIONAL DEBT RELIEF LLC
State: AZ

Complaint narrative:
this complaint is based on ads by National Debt Relief ( " NDR '' ) and XXXX XXXX XXXX ( XXXX XXXX  '' ). In XXXX, XXXX, I was once again diagnosed with XXXX and got behind on my monthly bills due to prescriptions, medical bills, XXXX, etc and enrolled with NDR to pay off my creditors. I was promised they would negotiate the bills 50 % of the amount owed and that they would IMMEDIATELY contact my creditors. This was not done and most of the negotiations were 40 %. After receiving constant phone calls and mail from creditors, I CONTACTED THEM MY SELF and informed them I wanted to be honest and pay them off, but didn't have the $ $ to do so. I gave them NDR 's phone number and case number. Unfortunately, that was not enough. In XXXX, XXXX, I was served ( personally ) with an Order to Show cause by XXXX XXXX  ( XXXX XXXX. I immediately contacted NDR and was told they would immediately " get on it ''. I asked for a copy of the Response they would be filing, however, to this date, despite NUMEROUS requests, I received NOTHING. In XXXX, XXXX, I received an email congratulating me on my graduation from the program and showing a XXXX balance to all creditors. However, this was not the end, they turned the balance they claim I owe to XXXX XXXX XXXX. I had received emails from XXXX in the past, HOWEVER, I NEVER signed a contract or activated my account with them as I was waiting for a contract setting forth the balance they claim I owed, the APR, the terms of service, the monthly payments, etc. I NEVER RECEIVED SUCH so I ignored their emails to activate my account! On XX/XX/XXXX, I checked my balance at XXXX and was shocked to see XXXX debited my account for {$260.00}. I NEVER AUTHORIZED THEM TO DEBIT MY ACCOUNT FOR ANY FUNDS and, in fact, NEVER signed a contract with them. I have since stopped any further debits from NDR and XXXX and on XX/XX/XXXX, I contacted NDR and informed XXXX XXXX of such blocking. THIS IS UNETHICAL AND FRAUD ON THE PART OF REACH FINANCIAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc
State: NY

Complaint narrative:
Company is still violating my consumer rights. This debt is hereby disputed and should be removed from credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I am writing to address several concerns I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-28 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-10-28 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:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief