vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
Denial of Communication Despite Recorded Calls : I contacted your agency directly regarding this matter, but you are now denying having spoken with me and claim to have no recollection of the phone call. However, you have stated that all of your calls are recorded. Given that assertion, I am requesting that you provide me with the recording of our conversation. Under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692d ( 6 ) ], debt collectors are required to maintain accurate records of communications, including phone calls. Please provide the complete and unaltered recording of our conversation to validate your claim. 
Return of Letter Sent to Oliphant : Regarding the letter I mailed to your office at the address listed on my credit report, XXXX XXXX XXXX, XXXX, FL XXXX, I did in fact send this correspondence via mail, but it was returned to me by the United States Postal Service. The post office attempted delivery, but the address was listed as vacant, and the letter was undeliverable. This raises serious concerns about your company 's compliance with consumer protection laws. By failing to maintain accurate and up-to-date address information, you are in violation of the Fair Debt Collection Practices Act, as well as the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) regarding proper notification practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 non-monetary relief
Consumer complaint received 2024-11-27 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: UT

Complaint narrative:
Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file.

This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXX Police Department ( Case Number : XXXX XXXX XXXX  XXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting.

In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$1800.00} XXXX. XXXX Accoun number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. 
Police Report : Issued by XXXX Police Department, documenting the theft of my vehicle and personal documents ( Case Number : XXXX XXXX XXXX  XXXX ). 

" I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. 
A written statement once the accounts and information have been blocked and removed from my credit report. 
An updated copy of my credit report reflecting the changes made. 
Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-27 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: IN

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-11-27 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: IN

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IN

Complaint narrative:
Credit card was stolen & used to charge {$1200.00}. Notified US Bank the next day. They said they would investigate & I've called almost every day since this happened on XXXX XXXX. On XXXX XXXX a police report was filed with the XXXX, XXXX police dept. and was assigned a case # XXXX. I gave this information to the US Bank fraud representative. 
Along with my US Bank XXXX XXXX, a XXXX XXXX card and a XXXX XXXX card were also stolen from my husband 's wallet. The thief immediately went to the local XXXX XXXX XXXXXXXX & charged {$1000.00} on the XXXX XXXX card and {$1200.00} on the XXXXXXXX XXXX card and {$1200.00} on the US Bank card. Since this is the same amount that was charged to my US Bank card, I assume the XXXXXXXX XXXX card was denied so the thief presented the US Bank card which was accepted. XXXX XXXX and XXXXXXXX XXXX have reversed the charges but US Bank refuses to. I sent a letter to the main office of US Bank detailing any and all information I could provide. A representative of XXXXXXXX XXXX XXXXXXXX called us the day after this happened to ask for exact amounts of the three transactions. We have not heard back from him. 
My husband & I are both almost XXXX XXXX XXXX and have never shopped or belonged to XXXXXXXX XXXX XXXXXXXX.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unrecognized accounts have been added to my credit file ; these must be blocked and erased.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
What happened ( statement of pertinent facts ) Consumer name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a federal student loan account at XXXX on XX/XX/XXXX account number XXXX, a credit card load account from XXXX XXXXXXXX XXXX on XX/XX/XXXX account number XXXX, a auto loan account at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, a rent account at XXXXXXXX XXXX XXXX on XX/XX/XXXX with no account number, a collection account at XXXX XXXX XXXX on XX/XX/XXXX no account number. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have issued a complaint with the FTC Identify Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I could not attach copies of any of my reports due to your site refusing to allow any form of download pdf files for 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 2024-11-27 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a charged-off account that has been reported on my credit report. I am requesting your assistance in resolving this matter as I believe it has not been properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed account are as follows : Creditor Name : XXXX XXXXXXXX XXXX XXXX Amount Charged Off : {$4500.00} I have previously contacted the creditor and/or debt collector directly to request validation of this debt, but I have not received sufficient documentation to confirm its accuracy or legitimacy. Specifically, I am requesting the following information : 1. Proof that the debt belongs to me, including a signed agreement or contract.

2. A detailed breakdown of the amount owed, including the principal, interest, fees, and any payments applied.

3. Evidence that the debt was lawfully charged off and reported to the credit bureaus.

4. Documentation of all communications regarding this account.

The lack of validation not only raises concerns about the accuracy of this charge-off but may also indicate violations of my consumer rights under federal law. 

I am requesting your offices assistance in investigating this matter and ensuring that the creditor or debt collector complies with their obligations. If the debt can not be validated, I request that this charge-off be removed from my credit report and that any associated collection efforts cease immediately. 

Please let me know if additional documentation is required from my side to process this dispute. I appreciate your time and effort in addressing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a charged-off account that has been reported on my credit report. I am requesting your assistance in resolving this matter as I believe it has not been properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed account are as follows : Creditor Name : XXXX XXXXXXXX XXXX XXXX Amount Charged Off : {$4500.00} I have previously contacted the creditor and/or debt collector directly to request validation of this debt, but I have not received sufficient documentation to confirm its accuracy or legitimacy. Specifically, I am requesting the following information : 1. Proof that the debt belongs to me, including a signed agreement or contract.

2. A detailed breakdown of the amount owed, including the principal, interest, fees, and any payments applied.

3. Evidence that the debt was lawfully charged off and reported to the credit bureaus.

4. Documentation of all communications regarding this account.

The lack of validation not only raises concerns about the accuracy of this charge-off but may also indicate violations of my consumer rights under federal law.

I am requesting your offices assistance in investigating this matter and ensuring that the creditor or debt collector complies with their obligations. If the debt can not be validated, I request that this charge-off be removed from my credit report and that any associated collection efforts cease immediately. 

Please let me know if additional documentation is required from my side to process this dispute. I appreciate your time and effort in addressing this issue.

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 2024-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the partial account XXXX to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, despite the fact that a charge-off is a one-time event that occurred in XX/XX/XXXX 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 
I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
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 Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the partial account XXXX to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, despite the fact that a charge-off is a one-time event that occurred in XXXX of XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 
I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( XXXX, Experian, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, 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
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Late payment records on my report are incorrect and inconsistent with my usual habits. Kindly fix 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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/scrub>XXXX - I went in to Navy Federal Credit Union to ask why Im negative with my credit card payment. They told me I made a {$330.00} payment to my credit card. I told them it was not true and that I made a {$600.00} payment. The manager said I only made a {$330.00} payment. I then asked for camera footage that shows I made a {$330.00} payment and she gave me {$10.00} back. The payment was {$590.00} that was due. That day I gave them {$600.00}. The acting manager looked more down the line and told some months I didnt make a payment which was not true. I have a receipt to prove that theyre not telling the truth. Please help me investigate this further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation