vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, 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 XXXXA Mortgage Reporters XX/XX/XXXX Experian, XXXX - XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies XXXX Finance XX/XX/XXXX Experian 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 explanation
Consumer complaint received 2024-11-11 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: TN

Complaint narrative:
I saw recently that Navy Federal Credit Union was being sued for overdrafting XXXX XXXX Soldiers, I have been charged overdraft fees plenty of times on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im very devastated that i have paid off a {$23000.00} dollar car loan with only 7 % left to pay and NOT ONE credit burial has given me any points on my credit report. Transunion has never given me any credit points for a 100 % flawless car payment. and XXXX and XXXX has never even reported it on my credit file. it's like im the most hated at Transunion because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX  XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for 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 2024-11-11 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: VA

Complaint narrative:
On XX/XX/XXXX a Fraudulent application was made with XXXX XXXX ID # XXXX Spoken with several Supervisors receiving different information. I have faxed to their credit investigation dept XXXX per Supv, XXXX on XX/XX/XXXX my ID 's & signed letter requesting the fraudulent information so I can have Equifax clear the hard inquiry reported by XXXX  XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX removed it but I still need to have Equifax do their job & comply in removing the inquiry from my Credit Report & restore my credit score. 
I'm fed up at this point with everyone - I am the one doing the work & feel I am being given the round around while my credit score still lower then it should be. 
Today when I called XXXX XXXX & spoke with XXXX, XXXX @ XXXX she confirmed that fraudulent application was closed on XX/XX/XXXX she further said I was emailed confirmation? Never received anything from them. She declined emailing it again????? Said faxing my request as I did on XXXX? XXXX is all I can do & that Dept would send me a letter within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The collector agreed to a payment arrangement for XXXX XXXX I paid the balance and it was declined for some odd reason. I called and they said they were the ones to decline it. They lied and said they couldnt see on my account where I had a XXXX payment arrangement only that I made a XXXX payment. I called and the lady on the phone couldnt honor agreement, website says arrangement only cancels if payment declines twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I continue to get late fees on both my cards with them that are almost or more than my minimum making it impossible to pay the balances down. I dont get paid until the XXXX and they will not give any grade period or change my due date.

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 monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$58.00} Late/Open XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open 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 2024-11-11 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: OH

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX XXXX  ( original creditor : XXXXXXXX XXXX  ) Account Number : XXXX Specific Issue : I noticed a discrepancy in the " Date Opened '' for this collection account across the credit reporting agencies. 
I

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 2024-11-11 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: IL

Complaint narrative:
Hi, TransUnion has been doing illegal things to me over the last 15 yrs! if i get one inquiry they take XXXX to XXXX points off my score .... or like today they took XXXX points off my score for Because of 2 remarks being removed offmy credit. its no fair for a student loan place to change remarks every week and im losing XXXX points a week. not one soul in American lost XXXX point to XXXX points every month. it's a glitch in the system or they are. They just corrected the XXXX points and then two days later they took back XXXX of the points. 
after telling you guys, they fixed the issue. I strongly feel im being discriminating against me as an XXXX XXXX  woman. I asked around to multiple people over the last 15 yrs and out of 300 people no one losses XXXX to XXXX. please restore my points AND the other ones i was cheated out of. im XXXX yrs old a XXXX XXXX  a hard worker and all my life i have never had a credit score over XXXX!!! im working my XXXX off to raise it for years and they give me nothing. I paid off 99 % with less than {$100.00} to go... ..of my car note i gain XXXX pounts for paying XXXX. thats not fair WHERE IS MY POINTS I DESERVE

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally address an issue with unauthorized and unverified XXXX and tax lien information listed on my credit report. Upon reviewing my credit report, I discovered these public record items, which I did not authorize and which were not properly validated according to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ), which requires that " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I contacted the County Recorder of Deeds and the U.S. XXXX Court, and both entities confirmed that they do not provide validation or confirmation of public record information to credit reporting agencies. Additionally, these agencies clarified that they do not verify or validate the public record entries themselves but rely on third-party sources to report such information. 
In accordance with the FCRA, I am requesting that the XXXX and tax lien entries be immediately removed from my credit file. These entries are unverified and not in compliance with federal regulations. The credit reporting agency has failed to validate these public records as required by law. The information provided by the third-party reporting sources was never confirmed or validated by the original record holders, and this constitutes a violation of the FCRA, particularly Section 609 ( a ) ( 1 ) ( a ), which mandates that credit bureaus verify all public record information through original contracts or judgments. 
I request that you provide me with copies of all documentation relating to these public record items, including any court orders or signed authorization forms that would have allowed the inclusion of this information on my credit report. If such documentation can not be provided, I demand the immediate removal of these entries from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days of receipt of this letter, as stipulated under Section 623 ( a ) ( 3 ). I will be closely monitoring my credit report during this time.

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 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX ) did not update the billing information on this account. It relates to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I owned this property until XX/XX/year> when I sold it and moved to XXXX. They did not update the information for the new owner for a couple of months. They have sold the debt to multiple collection agencies, which have reported collection accounts on my credit. I disputed the first collection agency and it was removed, today IC Collections has reported a collection account on my credit.

This is ridiculous that a debt can be re-sold multiple times without regard to reality of the situation.

I can provide proof of my sale of the property and move to XXXX  to prove it's not my responsibility.

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 2024-11-11 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: PA

Complaint narrative:
My credit card account Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported closed on XX/XX/2023. On XX/XX/2023 they reported a late payment on my credit report. They can not report late payments on a closed account. I would like them to remove the late payments 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 non-monetary relief
Consumer complaint received 2024-11-11 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: PA

Complaint narrative:
My credit card account Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported closed on XX/XX/2023. On XX/XX/2023 they reported a late payment on my credit report. They can not report late payments on a closed account. I would like them to remove the late payments immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
I kept receiving overdraft fees They would take the money from my direct deposit or I end up being in the negative When I use to call they couldnt tell me where the fees exactly were coming from one day a lady told me something tried taking XXXX {$3.00} $ and I kept getting these XXXX $ return check fees one day I went to check on the account and they closed it after I had been a member for years I ddnt recieve a letter, a email a phone call nothing but they kept my savings account open Navy Federal Bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-11-11 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: CT

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress.

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-11-11 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: FL

Complaint narrative:
The continued publishing of this nonpublic personal information on my account for the benefit of Experian will be identity theft and violation of my consumer privacy rights.

I do NOT consent to them reporting any account to any credit report agency or selling my account to a third party. I am hereby invoking all rights under OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al.

I am requesting that Experian provide written consent that I, the consumer provided that approved that publishing of of my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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