vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: KY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: WY

Complaint narrative:
I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fcra whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts ( XXXX ) grain : account # XXXX. ( XXXX ) XXXX : account # XXXX. ( XXXX ) XXXX  : acount # XXXX. ( XXXX XXXX XXXXXXXX XXXX XXXX : account # XXXX. ( XXXX ) XXXX XXXX  : account # XXXX. ( XXXX ) XXXX XXXX XXXX : account # XXXX. XXXX have the right to privacy.and according to 15usc1681 ( a ) ( 5 ) no consumer reporting agency may make any consumerreport containg any of the following information, other than records of convictions of crimes which date the report by more than 7years.15usc1681s-2 ( a ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.please remove ALL inaccurate information from my report.ive been battling XXXX  XXXX XXXX for last XXXX and I am trying to get my life back.thank you respectfully

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 2024-08-15 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: WY

Complaint narrative:
I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fcra whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts ( XXXX ) XXXX  : account # XXXX. ( XXXX ) XXXX : account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX acount # XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX. ( XXXX XXXX XXXX XXXX  : account # XXXX. ( XXXX XXXX XXXX XXXX XXXX : account # XXXX. 15usc1681section602Ai have the right to privacy.and according to 15usc1681 ( a ) ( 5 ) no consumer reporting agency may make any consumerreport containg any of the following information, other than records of convictions of crimes which date the report by more than 7years.15usc1681s-2 ( a ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.please remove ALL inaccurate information from my report.ive been battling XXXX  XXXX XXXX for last XXXX and I am trying to get my life back.thank you respectfully

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
I would like to dispute these inaccurate items on my credit report listed below. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. 

XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/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 2024-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I have currently contacted the Washington State Attorney General 's Office who is helping. They have also forwarded my complaint to the Washington XXXXXXXX XXXX. I am working with them now. The Washington State Attorney General 's Office suggested that I contact you. 

My loans should have been forgiven in XX/XX/year> under XXXX. I have done everything in my power to explain this to Mohela, who is expecting me to make a payment on XX/XX/year>. I have asked for a forbearance until the forgiveness has been processed and I have been told 60 to 90 days, I am also due a refund as I made 122 qualifying payments. Documented by Mohela on XX/XX/year> as well as through email 's from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly 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 2024-08-15 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: TN

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly 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 2024-08-15 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: ME

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TX

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.

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 2024-08-15 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: NY

Complaint narrative:
I am writing to formally request your assistance in addressing a serious issue with TransUnion 's reporting on my credit file. Specifically, TransUnion has reported accounts that are fraudulent and do not belong to me. Despite my efforts to dispute these inaccuracies directly with TransUnion, the fraudulent accounts remain on my report, negatively affecting my credit score and financial well-being. I kindly ask for your intervention to investigate this matter and ensure that these erroneous entries are promptly removed from my credit report. Your support in resolving this issue would be greatly appreciated.

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 2024-08-15 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: GA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-08-15 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: ME

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
After 2 years of asking navy federal to perfect the XXXX on my vehicle they did not. They made it seem like it was my job to do so when initially I was told that they will get it perfected. I mailed and emailed all requested documents. They lost my title and I had to get another and get the XXXX perfected myself after two years. They also reallocated all of my payments to reflect an interest rate of 10 % higher than I agreed upon. This made my payments go up and added two years of late fees.

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 2024-08-15 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: NJ

Complaint narrative:
I am writing to convey my deep frustration, anger, and disbelief regarding your handling of the fraudulent accounts that have appeared on my credit report. Despite my numerous efforts to resolve this matter and my thorough submission of all necessary documentation, including the FTC Identity Theft Report, these fraudulent accounts remain unresolved, and my credit report continues to display inaccuracies that are severely affecting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention with the understanding that an investigation would be conducted and that the accounts would be removed if found to be fraudulent. Since then, I have sent multiple letters and provided all required documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence I have presented, I am deeply frustrated that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received a satisfactory resolution or clear communication regarding the status of your investigation. 

It is extremely disappointing to experience such neglect and lack of responsiveness from an institution that plays a critical role in protecting consumer financial information. The continued presence of these fraudulent accounts is not only unjust but also a significant violation of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX, XXXX XXXX and 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 2024-08-15 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: IL

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), also known as 15 U.S.C. 1681 et seq., is a federal law that regulates how credit reporting agencies ( CRAs ) handle consumer credit report records. The FCRA 's goal is to protect the privacy and integrity of personal information, and to ensure that CRAs are fair, accurate, and confidential. The FCRA also gives consumers the right to access and correct any inaccuracies in their credit reports, and provides legal remedies if their rights are violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: AK

Complaint narrative:
The entire history of my reports show one account reporting adverse information to all three Credit Agencies of a 30-day late payment in XXXX of 2019 to XXXX XXXX XXXX I have sent letters from XXXX XXXX to all three agencies and phoned XXXX XXXX about this matter and despite being continuously told that it is resolved, the late payment still tends to reappear and reflect on my report, now on all three bureaus. In the fall of 2019, a XXXX XXXX XXXX merchant had a system error wherein they somehow accidentally recharged their consumers for the tip portion of their service payments - months after the service had occurred. I was unaware of the charge believing myself to have a XXXX balance on a card I rarely used. The XXXX XXXX emailed apologies to their customers and refunded the charges to their customers. XXXX XXXX agreed to remove the 30-day late as it was a result of the vendor error and mailed me a letter agreeing to such. I in turn mailed copies of this letter to each agency, but it continues to resurface on my credit reporting, now 5 years later.

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 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/year> a payments in the amount of {$570.00} was made by me for my car loan account with Chrysler Capital. On XX/XX/year> I have another payment for the same amount for my car loan work Chrysler Capital. On XX/XX/year> I was contacted by Chrysler Capital and informed of a charge back for my XXXX payment. I contacted my bank to inquire about their allegation and the back denied that allegation. They provided bank statements for the months of XXXX and XXXX and I forwarded those to the finance company. The bank also provided a confirmation of transaction for that XXXX payment in which I have attached. This has been ongoing since XXXX XXXX with no resolution. Additionally Chrysler Capital has been on XXXX conference calls with me and my financial institute who had told them repeatedly that this charge was debited from the account and that there were no disputes against this charge. In the meantime my credit score has suffered significantly. I have interest actual from XXXX and late fees attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is not investigating my claims. I have a police report and ftc report proving this account was opened by someone other than me including the accounts used to pay for the loan I never had. Ive never had BOA so how can Ive made payments on the account. Also telephone number is wrong XXXX is an mobile house phone that my XXXX uses. I have roommates, one of them stole my identity. Thats why were doing this now. Do your investigation this debt is not mines and I will be taking legal action against spring oak and XXXX XXXX

Company response to consumer: Closed with explanation