vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Credit Acceptance : # 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have sent dispute letters to XXXX  informing them that my son went to court about this Pen Federal account that I co signed on was dismissed in court of law it was not resold to anyone because it has been removed from his credit profile and with out prejudice and responsibilities. The judge said to remove it! and I SENT in a copy of it to CFPB showing the court document and the response. Im not sure why if im showing you proof of the documents, remove it from my credit I was only a co signer NOT MY ACCOUNT! DELETE NOW I HAVE OVER 30 YEARS OF GREAT CREDIT AND THIS IS THE ONLY ITEM THATS negative!! remove now and forever. Pentagon federal CR UN account # 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 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
SOMEONE FRAUDULENTLY OPENED A LINE OF CREDIT AGAINST MY CREDIT CARD FOR {$8000.00} WITH NFCU. I NEVER ONCE SIGNED ANYTHING OR AGREED TO THIS AND NAVY FEDERAL CREDIT UNION IS TELLING ME I AM ON THE HOOK FOR THIS... THE SCAMMER SENT PART OF THE MONEY THROUGH MY XXXX XXXX AND TO ANOTHER XXXX XXXX PERSON WITHOUT MY CONSENT. I FILED A POLICE REPORT WITH XXXX XXXX NC POLICE DEPARTMENT, FILED WITH NFCU AND ALSO WITH XXXX XXXX  THE SCAMMER WAS ONLY ABLE TO TRANSFER {$4900.00} OF THE {$8000.00} BUT NFCU IS CLAIMING I AM STILL ON THE HOOK FOR THE REST. 

I HAVE THE BELOW INFORMATION ABOUT THIS OCCURRENCE : DATE OF OCCURRENCE POLICE REPORT FILED DISPUTE FILED XXXX XXXXXX/XX/year> XX/XX/year> XX/XX/year> REPORT # XXXX XXXX XXXX NC AMOUNT ADJUSTMENT XX/XX/year> OUTSTANDING OWED {$8000.00} $ ( XXXX ) {$4900.00} XXXX XXXX XXXX SENT FUNDS TO A XXXX???? 
{$4900.00} USER NAME $ CORIMARIES MADE AN XXXX PURCHASE FOR {$250.00} XXXX XXXXXXXX XXXX

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
CFPB, I've been trying for over 1 years with Equifax to remove all incorrect addresses from my consumer report. It's like they are ignoring my requests and I'm not happy about it. I will have my lease attached, and the incorrect address as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. Please see the attached documents.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This credit account was opened wo my knowledge with incorrect mailing address, email address, and telephone number in XX/XX/XXXX. Since incorrect contact information was used by whomever opened this account, I was not aware of it until the account was used in XXXX and appeared on my credit reports as past due and over limit. I disputed the account with XXXX, XXXX, and XXXX. I also disputed with Synchrony Bank - to no avail. This is not my account. Some payments were made to this account- I DID NOT MAKE THESE PAYMENTS AND CAN PROVE THIS USING MY BANK ACCOUNT STATEMENTS. The latest fraud investigation was initiated XXXX XX/XX/XXXX after Synchrony Bank received a written letter from me ( Certified return receipt RECEIVED ) along with the XXXX  Identity Theft report and XXXX Complaint report. Cover letter stated that this is not my account and ALL references to this account should be removed from my credit reports. When I called to request the status of the fraud investigation on XXXX XX/XX/XXXX ( specifically what progress has been made on the investigation in the last XXXX  XXXX ), I was told that there is no status. When I asked to speak with the investigator assigned to the case, I was told it is not possible. When I asked to speak with the representative who took my call on XXXX XX/XX/XXXX, I was told it is not possible.

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 2024-08-08 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: TX

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
Consumer complaint received 2024-08-08 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: TX

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 2024-08-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
In XX/XX/year> XXXX had assisted with 7 Monthy payments to bring account current from XXXX, XXXX to XXXX of XXXX  the harassing calls started in XXXX of XXXX  they has started the Foreclosure process while I let then know I was applying for assistance. I stayed in constant contact Via email, Phone calls gave me XXXX From the threatening tones every phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: VA

Complaint narrative:
My name is XXXX XXXX and ( XXXX : XXXX ) | was never late on the accounts XXXX & XXXX. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from XXXX. 
Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. Enclosed is an email that proves I requested this information, supporting my dispute.

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 2024-08-07 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: VA

Complaint narrative:
My name is XXXX XXXX and ( XXXX : XXXX ) | was never late on the accounts XXXX & XXXX. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from XXXX

Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. Enclosed is an email that proves I requested this information, supporting my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: VA

Complaint narrative:
My name is XXXX XXXX and ( XXXX : XXXX ) | was never late on the accounts XXXX & XXXX. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from CreditStrong.

Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. Enclosed is an email that proves I requested this information, supporting my dispute.

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 2024-08-07 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Back in late XXXX I noticed charges in my account that were not made by me and these charges kept showing up over and over again in my account. I tried numerous times to resolve it with the merchant ( XXXX ) and the only thing they could do was confirm it was fraud and told me to take it up with my bank since the scammer apparently was charging my card then calling and getting refunds sent to another card. XXXX refused to give me that statement in writing. I filed a police report and the police sent a search warrant to XXXX to release the data for the charges. My sheriffs office received that data that did confirm the charges were made in states that I have never been to or lived in so the police confirmed it was indeed fraud charges. This report was sent to Chase and they still denied numerous times to reverse those charges. They told me to deal with it outside of Chase which to me is so wrong considering I had hard proof of the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a complaint regarding multiple fraudulent accounts and inquiries that have appeared on my credit reports with all three major credit bureaus ( XXXX, XXXX, and TransUnion ). Despite multiple attempts to resolve these issues directly with the credit bureaus, these fraudulent entries have not been removed. 

Details of Fraudulent Accounts and Inquiries : Accounts : XXXX XXXX XXXX, open date XX/XX/XXXX XXXX  XXXX XXXX, open date XX/XX/XXXX XXXX XXXX / XXXX, open date XX/XX/XXXX XXXX XXXX, open date XX/XX/XXXX Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 's XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Attempts to Resolve the Issue : I have sent multiple dispute letters to the credit bureaus using my legal rights under various laws including : Section 609 ( a ) ( 1 ) ( A ) 12 CFR 1006.34 ( b ) ( 5 ) 15 USC 1681 I have also informed the bureaus that I will pursue legal action for each fraudulent account and inquiry left unresolved, demanding {$1000.00} per account and {$10000.00} for pain and suffering due to my inability to rent or buy a house.

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 2024-08-07 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: PA

Complaint narrative:
I am writing to file a complaint regarding multiple fraudulent accounts and inquiries that have appeared on my credit reports with all three major credit bureaus ( Equifax, XXXX, and XXXX ). Despite multiple attempts to resolve these issues directly with the credit bureaus, these fraudulent entries have not been removed. 

Details of Fraudulent Accounts and Inquiries : Accounts : XXXX XXXX XXXX, open date XX/XX/XXXX XXXX  XXXX XXXX, open date XX/XX/XXXX XXXX XXXX / XXXX, open date XX/XX/XXXX XXXX XXXX, open date XX/XX/XXXX Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Equifax Mortgage Sol, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 's XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Attempts to Resolve the Issue : I have sent multiple dispute letters to the credit bureaus using my legal rights under various laws including : Section 609 ( a ) ( 1 ) ( A ) 12 CFR 1006.34 ( b ) ( 5 ) 15 USC 1681 I have also informed the bureaus that I will pursue legal action for each fraudulent account and inquiry left unresolved, demanding {$1000.00} per account and {$10000.00} for pain and suffering due to my inability to rent or buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: MS

Complaint narrative:
For the past two years I have been disputing and requesting information regarding this alleged debt with National Credit Audit Corporation. I do not owe this debt. I never received any correspondence including a debt validation letter from this company. Multiple times I have requested the Following Documentation from this company : 1. Copy of a signed contract that I have with National Credit Audit Corporation 2. Lease signed in wet ink by myself with National Credit Audit Corporation.

3. Proof that a Debt Validation letter was mailed to me regarding this debt BEFORE this account was furnished to credit reporting agencies. Tracking numbers or signed Certified mail Return Reciepts as proof to my current address.

4. Proof and documentation that this company has the rights and authorization to collect a debt in my state.

5. Itemized list explaining in detail why this company believes I owe this debt.

I have NOT received any requested documents from this company. I do NOT have a contract or lease with National Credit Audit Corporation! There have been 5 certified letters that I sent to this company requesting these documents and all except 1 was signed for and received. However, I have NOT received any of the demanded documents and this account is still being illegally reported on my credit file. This company also ignores and refuses to answer complaints on the XXXX  website from consumers who are exercising their consumer rights. Companies of good moral beliefs and who act in good faith do NOT do business this way.

Furthermore, it is in direct violation of the FDCPA to furnish an account to credit reporting agencies without allowing the consumer to validate or dispute the debt. A consumer has 30 days to validate a debt prior to the data furnisher placing said account on a consumers credit file. Of course, no said letter was received. 

FCRA section 623 states that a data furnisher ( which this company is ) may NOT continue to furnish inaccurate or incomplete data to a credit reporting agency after the CONSUMER NOTIFIES them of an inaccuracy or dispute. 

FCRA regulations provide that consumers can seek damages and relief by legal actions from companies who willfully violate FCRA consumer laws. 

I am filing a CFPB complaint to hopefully get this corrected immediately and removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Idaho Housing And Finance Association
State: NM

Complaint narrative:
I call about doing getting forbearance on my home loan because i was not receiving a paycheck during the summer. Then an agent stated I could set up a payment extension. The last amount could be spread out over a 6 month and I would not be charged late fee or effect my credit.. The agent stated for me to call back in XXXX to get set-up. When called back in XXXX they stated I could not do it. I was lied to and they could honor was stated to me.

Company response to consumer: Closed with explanation