vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
Company has not contacted me regarding this information on my credit report and I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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 have reviewed my consumer reports and notice that I have XXXX late payments on the account that I would inaccurate. I have never given the consumer reporting agencies any form of consent or approval to display or give out my personal information to the public.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Also, section B. states. Financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Therefore, please investigate the account payments for the dates that I have included screenshots inside this complaint in on dates of ( XX/XX/XXXX ) ( XX/XX/XXXX ). Please also provide proof showing that these should be public information. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact they we're never late. Thanks. Please see screenshots attached :

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 2024-07-16 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-16 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: FL

Complaint narrative:
I don't know how many times that I have to explain to Transunion that this debt from XXXX XXXXXXXX NO LONGER BELONGS TO ME! THAT VEHCILE WAS TOTALED AND I PAID THE REMAINING BALANCE THERE IS NO WAY THAT THIS CAR IS POPPING BACK UP AS VERIFIED WHEN THE DEBT HAS BEEN PAID YEARS AGO! THIS IS DEFAMATION AND I AM DEMANDING REMOVAL IMMEDIATELY!XXXX I'VE REPORTED TO YOU GUYS THAT MY IDENTITY HAS BEEN STOLEN FROM ME I HAVE NO ACCESS TO MY SOCIAL SECURITY CARD. THERE HAS BEEN ACCOUNTS SUCH A MOBILE LANDLINE WHICH IS XXXX XXXX ADDED ON MY REPORT THAT I'V E NEVER OPEN. I AM A VICTIM OF IDENTITY THEFT. I AM DEMANDING AN ACTIVE INVESTIGATION TO TAKE PLACE IMMEDIATELY.

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 2024-07-16 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: KS

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
All of my student loans with ED/Financial Services have been in deferment for over XXXX. Student loans were deferred nationally in XXXX because of the Covid 19 Pandemic. Yet My credit was set as a default as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late. My loans are still in deferment, and even though ED/Financial Services corrected the status on all XXXX loans, The late payment history has to be removed permanently. I will contact the Department of Education if necessary, but the loan status must delete these late payments permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXXXXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am writing to formally dispute a debt that has recently led to a court order to garnish my wages from Midland Funding LLC. I was made aware of this action in XX/XX/XXXX and am deeply concerned about its validity, given the age of the alleged debt and my lack of awareness regarding it. 

The debt in question dates back to XXXX, and I believe it should no longer be reportable or actionable under the Fair Credit Reporting Act ( FCRA ) and relevant state laws. According to the FCRA, negative information such as this should only remain on my credit report for a maximum of 7 years from the date of first delinquency. The statute of limitations for Arizona is 6 years. 

I kindly request that you : XXXX. Investigate this matter thoroughly and verify the validity of this debt. 
XXXX. Provide me with all relevant information and documentation regarding this debt, including the original creditor, the amount, and the date of first delinquency as well as the original contract. 
XXXX. Remove any references to this debt from my credit report if it is found to be inaccurate, unverifiable, or outside the statutory period for reporting. 

Enclosed are copies of all pertinent documents related to this case, including the court order for wage garnishment. I appreciate your prompt attention to this matter and expect a resolution within the XXXX period as stipulated by the FCRA. 

Please contact me at the above address or phone number if you require any further information or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have more in for on my previous boa cases Bank of America funny how they took my account bonus and. Deposit in the day of the day they closed qlll my accounts and hid transaction I have printed by them that they went back in my account and adjusted and changed ammounts

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 monetary relief
Consumer complaint received 2024-07-16 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 checked my credit report and it's showing some inaccurate accounts that I have no idea about. Please check the documents I've sent as it's regarding this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
2 unauthorized ATM withdrawal transaction. One on XX/XX/XXXX XXXX and the other on XX/XX/XXXX XXXX of {$500.00} each. 

I called the company and told them my card was lost and those transactions we not authorized. 

They denied my claim on XX/XX/XXXX. I called for more information and they said that my claim was denied because they werent able to prove fraudulent transaction. 

I requested that they open the claim again and I would provide video and eye witness testimony from my boss of me working at the time of the the first unauthorized transaction. 

They informed me that they can not take videos or testimony as evidence and the claim can not be opened again and would have to be handled outside of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: AL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2024-07-16 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: AL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 explanation
Consumer complaint received 2024-07-16 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Credit card payment was 15 days past due date. navy federal credit union abuse their power as my bank and withdrew the payment from my checking account when I had told them I was consolidating credit. It is not legal to take a military members money without prior notification, or their family members. XXXX have hardships they experience at times like moving across the country to a new location, or being XXXX overseas. It minimizes their ability to pay their debts in a timely manner sometimes. It is not financially appropriate for a bank to decide its within their rights to withdraw a members money, and add a disclosure to a credit card statement, yet not notify the member when money is withdrawn. Just because people have their money in a bank does not give the bank the right to take financial advantage of their clients. That is considered financial abuse, or elder abuse. 
I have also asked that my credit card and bank accounts be audited before and my request was extracted from the banks communication software programming. They never audited my accounts. 
I have XXXX in XX/XX/XXXXwallet with the bank and have asked for help in retrieving my funds. They tell me I have to go to bitcoin for help, and the transaction was processed into my XX/XX/XXXXt.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CL Holdings LLC
State: WI

Complaint narrative:
False reporting, and fraud I never done business with these people and I dont know who they are. I want the collection removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: MO

Complaint narrative:
I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all XXXX bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.

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 2024-07-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed several unauthorized inquiries. Please have company remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested the removal of these unauthorized inquiries from my credit report but I'm still seeing those on my credit report. Please block and remove those on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
I checked my credit report and it's showing some inaccurate accounts that I have no idea about. Please check the documents I've sent as it's regarding this important 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 2024-07-16 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-16 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: NY

Complaint narrative:
All of my student loans with XXXX XXXX have been in deferment for over 6-years. Student loans were deferred nationally in XXXX because of the XXXX XXXX Pandemic. Yet My credit was set as a default as follows : XX/XX/XXXX - 90 Days Late, XX/XX/XXXX - 150 Days Late, XX/XX/XXXX through XX/XX/XXXX - 180 Days Late. My loans are still in deferment, and even though XXXX XXXX corrected the status on all 3 loans, The late payment history has to be removed permanently. I will contact the Department of Education if necessary, but the loan status must delete these late payments permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: NY

Complaint narrative:
All of my student loans with XXXX XXXX have been in deferment for over 6-years. Student loans were deferred nationally in XXXX because of the Covid 19 Pandemic. Yet My credit was set as a default as follows : XX/XX/XXXX - 90 Days Late, XX/XX/XXXX - 150 Days Late, XX/XX/XXXX through XX/XX/XXXX - 180 Days Late. My loans are still in deferment, and even though XXXX XXXX corrected the status on all XXXX loans, The late payment history has to be removed permanently. I will contact the Department of Education if necessary, but the loan status must delete these late payments permanently.

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