vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX {$8300.00} open XXXX, XXXX XXXX {$820.00}, {$6100.00}, {$3600.00} open XXXX, XXXXXXXX XXXX {$340.00}, XXXX XXXX {$430.00} XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 explanation
Consumer complaint received 2024-12-31 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal request for assistance regarding a situation with Navy Federal Credit Union that has negatively impacted my credit report. I have recently applied for a credit card through Navy Federal, and I was informed that my application would not result in a hard inquiry, only to later discover that the application did indeed result in such inquiries. These inquiries have been listed on my credit report following the rejection of my application. 
As a consumer, I rely on clear and accurate information when applying for credit products, especially regarding the impact on my XXXX XXXX. I was misled by Navy Federals communication, which suggested that the application would not generate a hard credit inquiry if my application was not approved. However, after being declined for the credit card, I was surprised to find that my credit report now contains hard inquiries that were not disclosed as potential consequences of applying. 
I believe this situation constitutes a form of misleading advertising or misinformation, and I respectfully request that the CFPB intervene to assist in the removal of these inquiries from my credit report. The negative impact of these inquiries on my XXXX XXXX is significant, and I feel that it is a direct result of being provided with misleading information by Navy Federal.

I have made multiple attempts to resolve this matter directly with Navy Federal, but they have not been willing to remove the inquiries from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-31 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: TX

Complaint narrative:
I am writing to formally submit a complaint against Experian regarding the reporting of inaccurate information on my credit report. The specific account in question is associated with XXXX XXXX XXXX XXXX 

I have reason to believe that the information reported by Experian is not accurate, which is a violation of the Fair Credit Reporting Act as outlined in 15 U.S. Code 1681. I have reached out to Experian multiple times to address this issue, providing them with the necessary documentation to support my claim. However, despite my efforts, the inaccuracies remain unresolved. 

In support of my complaint, I would like to reference the case of *XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). In this case, the court held that credit reporting agencies have a duty to ensure the accuracy of the information they report, and failure to do so can lead to liability under the Fair Credit Reporting Act. This precedent reinforces my position that Experian has a responsibility to correct the inaccuracies on my credit report. 

The continued presence of this incorrect information is causing significant harm to my credit profile and overall financial well-being. I am requesting your assistance in ensuring that this matter is corrected promptly. It is imperative that my credit report reflects accurate information to avoid further damage to my XXXX XXXX and potential implications for my financial future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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 2024-12-31 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Letter Regarding Equifax Violations and Non-Compliance Dear Sir/Madam, I am writing to formally dispute the practices of Equifax and report multiple violations concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). I believe that their actions may constitute fraudulent behavior, and I urge the FTC to investigate these practices.

1. **FCRA Violations** : Under the FCRA ( 15 USC 1681 ), consumer reporting agencies ( CRAs ) are mandated to ensure the maximum possible accuracy of the information they report. Negligent non-compliance with these requirements can lead to civil liabilities, including damages and attorney fees. Equifax has repeatedly failed to uphold these standards, resulting in inaccuracies that adversely affect consumers.

2. **Fraud vs. Inaccuracy** : Fraud involves intentional deception for personal or financial gain, necessitating evidence of deliberate intent. However, inaccurate reporting may stem from willful non-compliance with established regulations. Equifax 's failure to correct inaccuracies within consumer reports raises concerns regarding their intent and adherence to the law.

3. **Liability for Non-Compliance** : - When a credit bureau knowingly provides false information or actively avoids correcting inaccuracies for financial or malicious purposes, this aligns with fraudulent behavior.

- For example, if Equifax ignores verified disputes while continuing to sell inaccurate reports to creditors, this could represent intent to deceive creditors and harm consumers.

- A violation is considered egregious when it contradicts authoritative guidance from relevant agencies. It may also be deemed reckless conduct if the credit reporting agency knew or should have known they were violating the FCRA.

Given these points, I kindly request that the FTC investigate Equifax 's practices and take appropriate action to ensure compliance with the FCRA. The protection of consumers is paramount, and it is crucial that credit reporting agencies uphold their legal obligations. 

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

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
I was unjustly accused of having a dog residing with me I have proof dog didn't live with me and they never provided proof he did. 
In XX/XX/XXXX, the Maintenance team conducted a pre-move-out walk-through inspection and did not report any damages., On XX/XX/XXXX, the landlord provided a positive rental recommendation letter, confirming compliance with the rules and the sole occupancy of the apartment. 
On XX/XX/XXXX, I moved out and left the key in the apartment, I was not able to be present during the final inspection. Subsequently, on XX/XX/XXXX, I received a move-out statement that included questionable charges. These charges amounted over {$2300.00} for alleged dog XXXX damage to the carpet, unauthorized pet fee, and other expenses, totaling {$2300.00}. The landlord refused to allow me to present my case when I reached out to them about the large bill. The landlord swiftly issued a bill by XX/XX/XXXX, followed by a warning letter on XX/XX/XXXX stating I needed to respond by XX/XX/XXXX and I responded on XX/XX/XXXX because I didn't want this to impact my credit and needed time to fight this is the only reason I offered to make payments. I tried to communicate and arrange a manageable payment plan and was met with refusal and an unreasonable counteroffer from the management. Despite my timely response on XX/XX/XXXX, the management claimed non-response and swiftly involved a collections agency. The collections agency has aggressively demanded full payment, If the carpet was stained it was due to a faulty air conditioner that leaked and a portable AC provided as a temporary solution leaked as well. They initially, gave me a bucket for water to drip in. Furthermore, the exposed ceiling in the hallway, with cruddy and moldy-looking pipes, was left unrepaired due to the expense of the tiles and the risk of getting them wet. This issue lasted more then 2 months. Not only did I suffer in the dead heat of summer with a XXXX that leaked but now they want to charge me for their negligence. I had no pet live there to XXXX on carpet. XXXX. 

Multiple tenants have experienced similar issues I seen the reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CCS is contacting me about a XXXX bill and threatened to report it to the credit bureaus but has not provided any debt validation, the XXXX insurance was canceled months ago and I began insurance with a new carrier

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I received a mail from my XXXX XXXX ( home insurance ) in the second week of XX/XX/2024 which said they sent a bill to my XXXX XXXX ( my previous mortgage company ) and they have not received the payment. The last day to receive the payment is XX/XX/2024. 
My mortage company changed from XXXX XXXX to Mr Cooper in XX/XX/2024. I immediately emailed my XXXX agent XXXX about the change ( I have attached the email proof ). 

On the first week of XX/XX/2024, I received a mail from Mr Cooper saying my home previous home insurance worth {$1500.00} expired and they bought another insurance worth {$2100.00}. 

After that, I contacted XXXX why my home insurance was cancelled. They said they did not receive payment from my mortgage company. Then, I contacted XXXX XXXX why they failed to make the payment, they said they never received the invoice. 
They now say the expired insurance can not be reinstated, I must buy the new insurance, and I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX  XXXX and XXXX ACCOUNT NUMBER : XXXX Credit Acceptance ACCOUNT NUMBER : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 602 A. It also states a consumer reporting agency can not furnish a account without my written consent 15 USC 1681c ( a ) ( c ) states no Consumer reporting agency may have any consumer report containing any of the following : Items of information. Any other adverse item of information other than records of convictions or crimes which dates the reporting more than seven years.

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 2024-12-31 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:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX XXXXXXXX and XXXX ACCOUNT NUMBER : XXXX Credit Acceptance ACCOUNT NUMBER : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 602 A. It also states a consumer reporting agency can not furnish a account without my written consent 15 USC 1681c ( a ) ( c ) states no Consumer reporting agency may have any consumer report containing any of the following : Items of information. Any other adverse item of information other than records of convictions or crimes which dates the reporting more than seven years.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I checked my credit report using XXXX. I noticed my report had recently dropped by XXXX points so I wanted to know why. I discovered that XXXX and XXXX both showed missed payments on my student loans. The loan servicer is Aidvantage. I am still in school my first payment isn't due until XXXX. I immediately requested information from Aidvantage, but I have not heard back. I believe this to be a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: 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 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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Acct : XXXX Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.

The unverified items listed below remain on my credit report in violation of Federal Law. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts?

Do you have a hardcopy of the original signed documents? ( Not Screenshots ) How did they verify this debt? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I am a Licensed Public Fiduciary and XXXX XXXX XXXX for an individual who has a checking account at PNC Bank located in Arizona. I attempted to close my client 's account as my XXXX XXXX for XXXX states I have the authority to close any account bearing the name of my client. PNC bank is refusing me to close the account. They are asking for an XXXX XXXX. I have provided the bank with my Recorded Board of Supervisors Resolution granting me the authority as a licensed fiduciary employed by XXXX XXXX Arizona to have signature authority on bank accounts for my clients that I am the Court Appointed Guardian for. 
By preventing me access to my client 's bank account, PNC Bank is preventing me from access to my client funds and therefore I am unable to pay bills for my client or secure housing for him. I requested to close my client 's account on XX/XX/year>. 
Today, XX/XX/XXXX I am told they want the XXXX XXXX. 
I have provided all the documentation that needs to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX and the merchant through XXXX gave me consent to chargeback / refund this money on my account for dispute # XXXX. 

Amex instead of fulfilling their end of the user agreement contracts they sign with cardholders has instead chosen to delay the resolution date of this dispute multiple times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
This debt is considered a charge off. However this is actually considered income because i should have received a XXXX XXXX in order to account for this as income. this is not a charge off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX have removed the negative items & fraudulent accounts & blocked the information from appearing on my credit file. My credit report does not align between XXXX & trans Union the inconsistencys violates the accuracy requirements of 15 usc sec 1681e ( b ) which obligates credit reporting agencies to maintain accurate & up to date records In pursuant to 15 USC 1692.K It is $ XXXX violation in pursuant to the fdcpa

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