vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
**Subject : ** Formal Dispute of Inaccuracies in Credit Report To Whom It May Concern, I am writing to formally dispute certain inaccuracies in my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. I believe that the following account has violated my federally protected consumer rights regarding privacy and confidentiality. 
**Account Information : ** - **Account Name : ** Navy Federal Credit Union XXXX **Account Number : XXXX XXXXXXXX Upon receiving another verification of my credit report from your company on XX/XX/year>, 1 identified several discrepancies that were not accurately corrected, including the following : - Inaccurate account number - Inaccurate dates of last activity - Inaccurate instances of days late - Inaccurate payment history All inaccuracies have been circled in red, and the payment history is circled in blue in the attached documentation. 
Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are responsible for implementing reasonable procedures to ensure the maximum possible accuracy of the information contained in their reports. 
Furthermore, I have disputed this matter several times previously, yet the inaccuracies remain verified. 
This ongoing verification of incorrect information is a direct violation of my rights under 15 USC 1681i, which mandates that if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is required to promptly delete the inaccurate information. Additionally, under 15 USC 16815-2, it is unlawful for any individual to furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
The inaccuracies reported not only violate the law but also infringe upon my consumer rights. Therefore, I demand the immediate deletion of these accounts from my credit report. 
Please be advised that I am pursuing legal action in the amount of {$1000.00} for each inaccuracy identified, in accordance with the FCRA, specifically citing violations of 15 USC 1681i and 15 USC 1681s-2. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I am writing to file a formal dispute regarding multiple accounts that have been fraudulently opened in my name. These accounts are the result of identity theft and I have already taken steps to report this fraud with the credit reporting agencies, but the fraudulent accounts are still present on my credit reports. I am requesting your assistance in investigating these fraudulent accounts, ensuring that they are removed from my credit file, and that my rights as a victim of identity theft are respected under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the accounts that were fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX  Account Number : XXXX Equifax Account Number  : XXXX Balance : {$60000.00} XXXX  XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX All 3 Bureaus Account Number : XXXX XXXX All 3 Bureaus Account Number : XXXXXXXX XXXXs All 3 Bureaus Account Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX Equifax Account Number : XXXX  Balance : {$60000.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Equifax Account Number : XXXX XXXX All 3 Bureaus Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX Account Number : XXXX XXXX Account Number : XXXX Equifax Account Number : XXXX Balance : {$11000.00} XXXX XXXXXXXX All 3 Bureaus Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: OH

Complaint narrative:
I am writing to file a formal dispute regarding multiple accounts that have been fraudulently opened in my name. These accounts are the result of identity theft and I have already taken steps to report this fraud with the credit reporting agencies, but the fraudulent accounts are still present on my credit reports. I am requesting your assistance in investigating these fraudulent accounts, ensuring that they are removed from my credit file, and that my rights as a victim of identity theft are respected under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the accounts that were fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account Number : XXXX Experian Account Number : XXXX XXXX Account XXXX : XXXX Balance : {$60000.00} XXXX  XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX Experian Account Number : XXXX XXXX XXXX All 3 Bureaus Account Number : XXXX XXXX All 3 Bureaus Account XXXX : XXXXXXXX XXXXs All 3 Bureaus Account Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number XXXX XXXX Experian Account Number : XXXX XXXX Account Number : XXXX  Balance : {$60000.00} XXXXXXXX XXXX XXXX Account Number : XXXX Experian Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX All 3 Bureaus Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX Account Number : XXXX Experian Account Number : XXXX XXXX Account Number : XXXX  Balance : {$11000.00} XXXX XXXXXXXX All 3 Bureaus Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-19 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
account number : XXXX account balance : XXXX XXXX this debt has not been validated. This debt was deleted from my XXXX account and it was deleted from XXXX. XXXX and Experian have yet to delete the already deleted account information attempting to dissuade me from pursuing these matters in a legal setting for fraud. XXXX  XXXX when asked for the validated debt was unable to provide the name of the original creditor and the person who validated the debt. until this is addressed and validated I want to be clear and state that XXXX XXXX has never received in writing from me any correspondence stating that they can contact me other then to send me a check for violating the law or to advise that they will never reach out to me again. this is pursuant to 15 USC 1692c ( c ).

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
TransUnion declined a finance application I submitted with XXXX. 

XXXX emailed me to say TransUnion had provided a credit report against me that prevented an application from me with XXXX progressing. 

TransUnion unable / unwilling to provide me any report, information, reason about this report through their customer support because I am not XXXX. 

As I don't have a SSN they are unable to assist even though they have issued a report against me which I am unable to see or query.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im writing to address several inaccurate items on my credit report that are currently involved in pending litigation due to reporting errors. Because of the ongoing legal proceedings, these items can not be properly verified. According to 15 U.S. Code 1681i ( a ), unverifiable information must be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NJ

Complaint narrative:
These Inquiries & Accounts are incorrect since i do not recognize them, please investigate them and delete them : Account : XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$120.00} Date opened : XX/XX/year> Inquiries : 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

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 2024-11-18 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: NJ

Complaint narrative:
These Inquiries & Accounts are incorrect since i do not recognize them, please investigate them and delete them : Account : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$120.00} Date opened : XX/XX/year>XXXX  Inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I received an alert from XXXX XXXX  and XXXX XXXX that there was a hard inquiry on my account for a Capital One credit card. I immediately called XXXX to report this as fraud and asked them to remove the inquiry. They stated that I had to call the lender directly to resolve this issue. I called Capital One and they identified a fraudulent application that was submitted for a secured credit card using my name, address, DOB, and SSN. They put a freeze on the application and said that it would be denied - application # XXXX. I have also contacted the three major credit bureaus to report a fraud alert and put a freeze on the accounts for future applications submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im writing to address several inaccurate items on my credit report that are currently involved in pending litigation due to reporting errors. Because of the ongoing legal proceedings, these items can not be properly verified. According to 15 U.S. Code 1681i ( a ), unverifiable information must be removed from my 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I had deputed this account over twenty times and now I trying to get information on the account that this company state is valid no one can show the paperwork on the account. I called now and they company has my number in the system to hang up after I put in my ssn. As of XX/XX/XXXX, the deputed came back in a day with the same information with a dierent date of opened. 
XX/XX/2024 Your Account Dispute has been updated. 
The incorrect account with XXXX XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/XXXX  Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX  What now? 

We'll notify you when all of your pending disputes are complete and the results are ready. To see your most recent updates, please check your updated credit report. 


See 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 2024-11-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
this is a follow-up to complaint XXXX they replied that I was free to use the gift card I had purchased, but the gift cards are NOT working as they were physically altered probably by a fraudster. 

I need replacement cards to be shipped to my address for all of the gift cards for tickets : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: IN

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-18 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: IN

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-19 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: TX

Complaint narrative:
I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in 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 non-monetary relief
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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