vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax, According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you XXXX days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-04-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # that starts with XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # that starts with XXXX XXXX XXXXXXXX Account # that starts with XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Accpunt # XXXXXXXX XXXX XXXX XXXX Account # that start with XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # that starts with XXXX XXXX XXXX  Account # XXXX XXXX U.S.C. XXXX Section XXXX A. States I have a right to privacy XXXX  U.S.C. XXXX  Section XXXX Section XXXX It Also states that a consumer reporting agency can not furnish an account without my written instructions XXXX  U.S.C. XXXX ( A ) ( XXXX ) Section States No consumer reporting agency may make any consumer report containing the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX years XXXX U.S.C. XXXX ( A ) ( XXXX  ). A person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
ATM in supermarket debit my account XXXX  for {$22.00} only received XXXX transaction they told me manager that my bank should refund the money back to my account on. XX/XX/XXXX Nav federal credit union

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-11 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX ALLT FINACIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTOLAND XX/XX/XXXX NOWCOM/WESTLAKE FINANC XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX CARD XX/XX/XXXX SYNCB/AMAZON PLCC XX/XX/XXXX TD BANK N.A. XX/XX/XXXX XXXX XXXX, NA XX/XX/XXXX XXXX CITY 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 2024-04-11 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-11 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: MO

Complaint narrative:
I've identified fraudulent inquiries on 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 2024-04-11 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Today I reviewed my credit report. And discovered a fraudulent account from midland credit management In the amount of {$620.00}. The account is in connection to a previous XXXX XXXX XXXX credit card account that was removed from my credit report in XX/XX/2023 due to it being a fraudulent account. Midland credit management has reported this debt back on to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I've identified fraudulent inquiries on 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is XXXX  and as follows : Validation of Debt and HIPAA authorization or delete account from my profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX I am unaware of the amount due and your bill does not include a detailed breakdown of any fees.

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization or delete account from my profile 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 explanation
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FCRA 605B tells us to fix mistakes on my credit report. Can you check the papers? Some accounts listed are wrong about how they're reported, the money they show, and the dates.

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent a certified letter # XXXX on XX/XX/2023 requesting Validation of Debt Pursuant to 15 USC 1692G. See attached letter, US XXXX Receipt and proof of evidence. 
Debt collector was unable to respond or provide proper documentation in XXXX  days. Account is reported on my XXXX, XXXX and XXXX credit file. I am requesting a compensation of {$1000.00} per violation of USC 1692G.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Transactions that were taken out of my account that wasnt authorized by me and when I contacted the bank doing the time frame, I was told the charges that it wasnt on my account. {$2600.00} meta ( XXXX ) and {$310.00} ( XXXX XXXX XXXX ) XXXX. XX/XX/XXXX {$98.00} XXXX XXXX. XX/XX/XXXX {$120.00} XXXX XXXX. XX/XX/XXXX {$620.00} XXXX XXXX. XX/XX/XXXX {$350.00} XXXX XXXX. XX/XX/XXXX {$600.00} XXXX XXXX. XX/XX/XXXX {$400.00} XXXX XXXX. XX/XX/XXXX {$250.00} XXXX XXXX. XX/XX/XXXX {$88.00} XXXX XXXX. XX/XX/XXXX {$170.00} XXXX XXXX. XX/XX/XXXX {$98.00} XXXX XXXX. XX/XX/XXXX {$98.00} XXXX XXXX. XX/XX/XXXX {$40.00} XXXX XXXX. XX/XX/XXXX {$40.00} XXXX PNC Bank denied all these claims stating that they were beyond the time frame. I contacted them doing the time frame but they stated that I didnt have these on it. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I got an alert on my XXXX credit report that someone opened a discover card in my name on XXXX. I am not sure if they used my maiden name XXXX XXXX or my married name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
ATTACHED IS PROOF OF AN INVESTIGATION THAT WAS DONE ON THE LATE PAYMENTS REPORTING ON A CLOSED ( XXXX XXXX XXXX XXXX ) ACCOUNT. THE ACCOUNT WAS CLOSED ( HIGHLIGHTED ON ATTACHED DOCUMENT ) XX/XX/2023 AND THE FIRST LATE PAYMENT IS LISTED AT XX/XX/2023 ( HIGHLIGHTED ON ATTACHED DOCUMENT ) PLEASE UPDATE THIS ACCOUNT TO CURRENT/ON-TIME OR DELETE THIS ACCOUNT FOR THE IMPROPER INVESTIGATION THAT WAS DONE By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
Over the past several years, Comenity Bank, in conjunction with my other creditors, have reduced my XXXX XXXX more than XXXX points, resulting in my inability to secure a consolidation loan to pay off my credit card debts at a much lower monthly payment and interest rate. They have reduced my XXXX XXXX even though I have never missed a payment or defaulted on any account. 
For the past several months, I have continued making payments in the amount requested, including finance/interest charges, in spite of my continued downward spiral financially. 
Eventually, I could no longer maintain the payments, and requested, via phone and letter, that they work with me and accept a payment of {$25.00} per month, on the condition they stop all interest and finance charges, and cancel any late fees they've added to the account since I first contacted them. I also informed them that I am XXXX and XXXX, and living on a fixed income. They have neither refused nor accepted my terms, and only keep insisting that I call their automated phone system, which will eventually be answered by a person that speaks unintelligible English. 
I called them on XXXX I sent them a letter on XXXX I sent them a letter on XXXX I made a payment of {$25.00} on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Due to changes in Experian 's Credit Freeze lift process over the last XXXX years, I have been unable to temporarily life my credit freeze either by phone or on-line. I wrote a detailed letter to Experian on XX/XX/XXXX, asking for assistance in fixing the problem. After not hearing anything for a month, I wrote a second letter on XX/XX/XXXX, this time to the CEO, asking that the problem be resolved and that I be informed of a satisfactory resolution by mail. Instead, on XX/XX/XXXX, I received a short e-mail informing me that my credit security freeze had been permanently removed " as you requested. '' The email also told " please do not reply to this message. '' This action was NOT what I asked for in either of my letters, and NOT what I want or need. I simply want the Security Freeze I had in place to be re-instated, and that I be able to lift it on a temporary basis, as needed, either by phone or on-line, as was the case as recently as XXXX, the last time I successfully temporarily lifted my Experian Security Freeze. Please note that I have no problems with lifting freezes temporarily with the other two credit reporting bureaus. I would appreciate any assistance you can provide in resolving this problem.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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