vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 of the FCRA, codified at 15 U.S.C. 1681i, Please provide the names and business addresses of each individual with whom you verified the accounts above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

My name : XXXX XXXX XXXX XXXX XXXX XXXX My XXXX : XXXX Address for the past two years : XXXX XXXX XXXX XXXX, XXXX Fl 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 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I, declare under penalty of perjury that the following statements are true and correct to the best of my knowledge and belief. 
On XXXX XXXX XXXX as the original creditor and a private investor, I extended credit to Navy Federal Credit Union. Based on the information provided in their credit application. It was my understanding and expectation that any decision regarding this credit offer would rely solely on the application itself, as required by the Fair Credit Reporting Act ( FCRA ) and similar consumer protections. The goal was to ensure a fair and straightforward assessment, free from any bias or extraneous information. 
On XX/XX/year> I received a letter from you denying the credit application, citing information from a consumer credit report. This was unexpected as it seemed to contradict our agreement that the application itself would be the only source of consideration. This decision not only conflicted with the initial understanding but also seemed to ignore important federal consumer rights. 

LEGAL GROUNDS FOR MY CLAIM 1. Fair Credit Reporting Act - 15 U.S.C. 1681a ( ) ( 1 ) and ( I ) ( 2 ) Under the FCRA, credit worthiness should be determined by the information provided in a consumer 's credit application when that is the agreed basis. By denying credit based on additional information from a credit report, your institution appears to have bypassed these rules, using information beyond what was agreed upon in the credit application. 

Willful and Negligent Noncompliance - 15 U.S.C. 1681n and 1681o Your reliance on information outside of the application, rather than adhering to the FCRA 's standards, constitutes both willful and negligent disregard for the consumer 's rights. This noncompliance imposes a responsibility to address the harm caused by this institute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-11-29 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-11-29 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: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to my credit report, and I am taking action to address them. Specifically, I identified that inaccurate and misleading information was reported about me without proper verification. According to FCRA Section 616, I have the right to seek civil liability for willful noncompliance, which could result in damages of up to {$1000.00} per violation. 

The violations include a failure to disclose my right to opt out of sharing my personal information as required under FCRA Section 603 ( d ) ( 2 ) ( A ), as well as the reporting of inaccurate debts and accounts without proper validation, violating FCRA Section 623 ( a ) ( 3 ). Additionally, the debt collectors engaged in unfair practices and harassment, in violation of the Fair Debt Collection Practices Act, by contacting third-party agencies with inaccurate information about my alleged debts. 

My personal information was also reported incorrectly, including addresses that do not belong to me, which should be deleted under FCRA Section 605 ( a ). In addition, accounts were incorrectly marked as " late '' without proper justification, violating the requirement to report accurate information under FCRA Section 609. 

Furthermore, under 15 U.S. Code 1692g, debt collectors are required to validate any alleged debts. The debts in question were not properly validated, and I have requested that the debt collectors provide proof of the debts or have them removed from my report. If they fail to provide the requested validation, these items must be deleted as per the law. 

I am requesting that all the inaccurate accounts and personal information be removed from my credit report immediately, and I expect prompt action. Failure to comply with these legal requirements will leave me with no choice but to pursue legal remedies available under the FCRA.

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 2024-11-29 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G St NW, Washington , DC 20552 Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC 20580 Subject : Urgent Action Required - Inaccuracies on My Equifax Credit Report Dear Sir/Madam , I am writing to formally address significant inaccuracies present on my Equifax credit report, which I have been experiencing for over three years. It has come to my attention that Equifax has violated my rights by Displaying incorrect information, which has severely impacted my creditworthiness and financial stability. 

Upon reviewing my credit report for XXXX, I noticed there is no date of Last Activity listed, Versus information provided XXXX report of 2024. This discrepancy raises serious concerns about the accuracy and fairness of my credit reporting, which is supposed to be protected under 15 U.S. Code 1681, specifically the Congressional findings and statement of purpose regarding ACCURACY AND FAIRNESS OF CREDIT REPORTING. 

XXXX failure to provide accurate information is not only a violation of my rights but also undermines the integrity of the credit reporting system. Therefore, I urge the CFPB and FTC to take corrective action regarding this matter. Specifically, I request the immediate removal of XXXX XXXX XXXX  XXXX from my credit report until these inaccuracies are resolved. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response regarding the steps that will be taken to rectify these issues. 

Thank you for your attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G St NW, Washington , DC 20552 Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC 20580 Subject : Urgent Action Required - Inaccuracies on My Equifax Credit Report Dear Sir/Madam , I am writing to formally address significant inaccuracies present on my Equifax credit report, which I have been experiencing for over three years. It has come to my attention that Equifax has violated my rights by Displaying incorrect information, which has severely impacted my creditworthiness and financial stability. 

Upon reviewing my credit report for XXXX, I noticed there is no date of Last Activity listed, Versus information provided XXXX report of 2024. This discrepancy raises serious concerns about the accuracy and fairness of my credit reporting, which is supposed to be protected under 15 U.S. Code 1681, specifically the Congressional findings and statement of purpose regarding ACCURACY AND FAIRNESS OF CREDIT REPORTING. 

XXXX failure to provide accurate information is not only a violation of my rights but also undermines the integrity of the credit reporting system. Therefore, I urge the CFPB and FTC to take corrective action regarding this matter. Specifically, I request the immediate removal of XXXX XXXXXXXX XXXX  XXXX from my credit report until these inaccuracies are resolved. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response regarding the steps that will be taken to rectify these issues. 

Thank you for your attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-11-29 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account numbers ending in XXXX and XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX, another auto loan at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX Credit cards from XXXX XXXX ending in XXXX, XXXX, XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I don't recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have 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.

CFPB

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 2024-11-29 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital One on 08/2023 under the account numbers ending in XXXX and XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX, another auto loan at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX Credit cards from XXXX XXXX ending in XXXX, XXXX, XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I don't recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have 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. 
CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2024-11-29 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: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2024-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-29 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: MI

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 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
XXXX i XXXX XXXX XXXX XXXX payment for XXXX cents to hyundai finance XXXX and they took a extra payment out of my checking account with out my permission and put my checking account in XXXX  i call theme and informend them what they did and they got very XXXX  with me they are not suspose to go in people acct and take over the mount they was suspose to take just XXXX not 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 2024-11-29 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: NC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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