vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: GVA Holdings, LLC
State: NJ

Complaint narrative:
XXXX issued a {$200.00} gift card which was redeemed as a target egift card by me. I spent {$71.00} once and went to use again and said {$0.00} balance. When I looked up card on Target, it says it was used in XXXX XXXX, CA XXXX for {$120.00} ( the remainder ) on XX/XX/XXXX where I've never been and never given another permission to use or have access to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2024-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
the company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

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 2024-11-25 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX - XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: Investment Retrievers, Inc.
State: CA

Complaint narrative:
A police report for identity theft has been filed for the following accounts and addresses : XXXX XXXX XXXXXXXX XXXX Opened : XXXX. XXXX, XXXX  {$4500.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX  {$4500.00} XXXX XXXX Reported : XXXX XXXX, XXXX  {$540.00} XXXX  XXXX XXXX Opened : XXXX. XXXX, XXXX  {$21000.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  {$170.00} XXXX XXXX XXXX  Opened : XXXX XXXX, XXXX  {$10000.00} False Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX2023 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NY

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-25 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: IL

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> JPMCB CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Re : Dispute of Late Payment Inquiries on Credit Report for Account # : XXXX Dear JPMCB CARD Representative, I am writing to formally dispute the reporting of late payment inquiries on my credit report concerning the above-referenced account. These inaccuracies have unjustly affected my credit score, and I am requesting their immediate correction in compliance with federal regulations. 

Upon reviewing my credit report, I discovered late payment inquiries associated with this account that are incorrect. These errors stem from a billing issue, as my payments were never late. I request that you promptly investigate and remove these inaccuracies to restore the integrity of my credit report. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., requires all credit reporting agencies ( CRAs ) and furnishers of information to ensure the accuracy and completeness of reported information. Specifically : 15 U.S.C. 1681e ( b ) : Mandates that information furnishers like your entity ensure the accuracy of data provided to CRAs.

15 U.S.C. 1681i ( a ) ( 1 ) : Requires a thorough investigation of disputes and the removal of inaccuracies within 30 days.

15 U.S.C. 1681c ( a ) ( 5 ) : Stipulates the removal of adverse information that predates the seven-year threshold.

These late payment inquiries are inaccurate and damaging. Therefore, I respectfully request their removal from my credit report. Please confirm in writing that these inaccuracies have been corrected within 10 days of your receipt of this letter.

Failure to resolve this dispute may result in further actions, including monitoring my credit report and seeking legal remedies under the FCRA.

Thank you for your prompt attention to this matter. I trust that you will address this dispute in a manner that complies with the FCRA and protects the integrity of my credit report. 

Sincerely, XXXX XXXX Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure for disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements for removing outdated information )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EGL US, LLC
State: CA

Complaint narrative:
I have been getting harassed while at my home of residence from numerous amount of different people bringing paper documents and being aggressively toward me. I have installed cameras they come any day any time.BMG money loan I have paid in full numerous balances in past I didnt want any more loans they stated I replied to more than advised which was not correct so I guess a court action of a collection company taking toward in which this balance asking for is way more than they stated I owed but I will not sign something to satisfy there needs. I have not received funds there inquiring about. The Apr was 35 % more on top of what I paid so I would never pay it off this was a manipulation to get me to stay with them. I am not obligated to consider a new loan please be advised I want to heard and live in peace Im goin threw emotional break down because of this. I asked XXXX  to step in they did nothing so can u have someone help my situation please. They are using XXXX XXXX as a person to come knocking on my door

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: CT

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Navy Federal Credit Union charged me credit card interest in the amount of {$2.00} on XX/XX/scrub> 2024. This was unexpected, as I had setup their automatic payment system to pay my credit card 's statement balance in full every month. 

On XX/XX/scrub> 2024, I noticed this charge and called Navy Federal Credit Union to ask why I was charged interest. I was told that I was charged because my payment was late. I stated that this was unexpected, as I was using their automatic payment system. The agent told me that I had automatic payments setup for the XXXX of every month, which was after my due date of the XXXX. I did not recall choosing a date. I asked the agent to change the payment date to be on or before the due date. The agent did so. 

I had setup the automatic payment after a related incident. On XX/XX/scrub> 2024, Navy Federal Credit Union charged me interest for a late payment. As of XX/XX/year>2024, Navy Federal Credit Union had considered my payment 2 weeks late ( due date XX/XX/year>2024 ). Navy Federal Credit Union made no attempts to notify me that I had an overdue payment, and I only caught it because of a vague banner at the top of Navy Federal Credit Union 's website that asked something akin to " Are you struggling to pay your bills? '' The charge on XX/XX/year>2024 also surprised me, as I believed I had set up automatic payments then, too. However, Navy Federal Credit Union 's website showed that I had no automatic payments. This may have been my mistake ; I'm uncertain. 

It is strikingly difficult to setup automatic credit card payments with Navy Federal Credit Union. To setup automatic credit card payments via Navy Federal Credit Union 's website, a payment must be due. When a payment is not due, there is no way to setup an automatic payment, and there is no information published on how one might do so. There are numerous reports on websites such as XXXX from apparent Navy Federal members who believe it is not possible to setup automatic payments at all. 

It feels that there is an inherent dishonesty in the way that Navy Federal Credit Union are processing payments and handling notifications of due and past due payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I would like these account to be remove so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires XXXX XXXX XXXX XXXX XXXX  I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
I have accounts passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$870.00}

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 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I initially called my local location in XXXX, TX to confirm my payments as this new loan was taken out to repay a loan. 

Unfortunately, the debt owed as of XX/XX/year>, should be considered paid in full due to the creditors breach of agreement and unauthorized actions. The original agreement was to pay {$200.00}, but the creditor attempted to withdraw {$300.00} without consent, exploiting account access. Upon discovery, I immediately alerted my bank to the unauthorized transaction. If this account has since been referred to collections, the creditors fraudulent actions void the debt entirely, as their conduct violated the terms and undermined the agreements integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MA

Complaint narrative:
I was reviewing my credit report recently and noticed an account that wasnt reported accurately. Have XXXX late payments on an account that was paid on time at the time that was supposed to be paid. Consumer reporting agencies need to report information with complete accuracy. 
This account never been late on payments. Account is currently closed at my request. But the late payments still remains on my credit report. Im nowrequesting that you investigate and provide verifiable proof with records showing i had these late payments. If this information cant be verified i demand theses payments be updated to paid on time inmediately. Thank you for your understanding and promp action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
They company is in violation of my consumer rights as outlined under the FCRA. According to the FRCA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.

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 2024-11-25 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: IL

Complaint narrative:
I have accounts passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX XXXXXXXX Balance Owed : {$870.00}

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 2024-11-25 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:
I have accounts passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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