vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Office of the Attorney General of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting by Experian Dear XXXX XXXX, I am writing to formally dispute inaccuracies present in my credit report as reported by Experian. I have identified discrepancies between the information available on the Experian website and the report I obtained from XXXX. 

Specifically, my account is inaccurately marked as a " charge-off, '' which is incorrect. This misinformation has been on my credit report for over a year and is adversely affecting my creditworthiness. I have not entered into any agreements with third-party companies that may have contributed to this erroneous reporting, and I have no contractual relationship with them.

Under 15 U.S. Code 1681n, Experian may be liable for willful noncompliance in this matter, as they have obtained and reported my information under false pretenses. I urge your office to investigate this situation, as I have sustained damages due to this inaccurate reporting. 

I am attaching copies of my credit reports for your review, which highlight the discrepancies in question. I request that you take the necessary actions to have this account removed from my report immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2024-11-07 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 writing to formally request the removal of hard inquiries from my credit report that were made without my consent or for permissible purposes as outlined in the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, a hard inquiry may only beconducted with the consumer 's permission for a specific purpose, such as applying for credit. As I have not authorized thmese inquiries, I respectfully urge you to investigate this matter and expedite the removal of the fraudulent inquiries from my credit file. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-07 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 writing to formally request the removal of hard inquiries from my credit report that were made without my consent or for permissible purposes as outlined in the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, a hard inquiry may only beconducted with the consumer 's permission for a specific purpose, such as applying for credit. As I have not authorized thmese inquiries, I respectfully urge you to investigate this matter and expedite the removal of the fraudulent inquiries from my credit file. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , correct and/or block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened : XXXX XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX, XXXX. Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Account Late payments recorded must be cleared and made current for the below accounts : Account : XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX The aforementioned accounts, collections, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me or have been recorded unjust while I was medically incapacitated. All of the aforementioned accounts, collections, and late payments are the result of identity theft, fraud, or reported as late during a time that I was medically incapacitated.. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries associated are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , correct and/or block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened : XXXX XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXXXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX, XXXX. Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Account Late payments recorded must be cleared and made current for the below accounts : Account : Freedom Mortgage - XXXX opened on XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX The aforementioned accounts, collections, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me or have been recorded unjust while I was medically incapacitated. All of the aforementioned accounts, collections, and late payments are the result of identity theft, fraud, or reported as late during a time that I was medically incapacitated.. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries associated are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-11-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
Today, I was alarmed to find unauthorized inquiries on my credit report, and I dont understand the reason. As I reviewed my report, these discrepancies appeared without warning. I even refreshed my browser to rule out any temporary error, but the inquiries remained. I urge you to carefully examine the documents I submitted so that I dont have to worry about this issue again.

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 2024-11-07 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 two fraudulent accounts appearing on my consumer FICO 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 loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> under the account number XXXX and a credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO 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 2024-11-07 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 two 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 loan account opened at XXXX XXXX XXXX  on XX/XX/year> under the account number XXXX and a credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the 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 each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

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 XXXX 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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX jewelry stores took money out of my debit card unauthorized status jewelry on XX/XX/year> {$1200.00} XX/XX/year> {$750.00} and XX/XX/XXXX {$5900.00} XXXX  XXXXXXXX XXXX XXXXXX/XX/year> for {$280.00} and {$550.00} XX/XX/year> for {$500.00} and {$2200.00} XX/XX/year> for {$700.00} I been fighting with Navy Federal credit Union on this matter since last year this is disgusting what they have done too me as a consumer that has trusted this bank with all my money. Then they closed my checking account and kept my savings account opened and I had no access to my checking account at all unbelievable I need help asap or I'm going to sue Navy Federal credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to you to file a complaint against PenFed Credit Union and the administrators of my mortgage and escrow accounts. Due to the mishandling and miscalculation of my property taxes, there is a substantial increase of my monthly mortgage payments. In late XXXX, or early XXXX, I received an Escrow Account Disclosure Statement letter stating that my mortgage would increase from {$1600.00} to {$2100.00} effective XX/XX/year>. This is an increase of {$520.00} a month. 

I called PenFed and spoke to a couple representatives in the mortgage services department only to find out that there were numerous mistakes made and due to their error and negligence, and also an increase in my property taxes and slight increase in my Home Owners insurance, I feel I am being penalized for their total disregard of my finances and the mishandling of my account and have been unprofessional during this entire ordeal. 

I would like your organization to conduct a thorough investigation of my account, and for someone to look into my escrow account and explain why I must pay an additional {$520.00} per month to cover all the increases and the depletion of my escrow account which I can only place the blame on their negligence and incompetence of their mortgage service team for the mismanagement and miscalculation of my escrow account.

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 2024-11-07 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX 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
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report, as the details listed below do not pertain to me. I request the immediate removal of this inaccurate data. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY 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