vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed by Aidvantage. I have sent in this report but these fraudulent items still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XXXX, I went into my local Navy Federal Branch XXXX XXXX XXXX and requested to be removed as Joint Owner from a joint account. I was told I needed to complete a form ( see attached ) and was removed. 

Later, I was placed back on the account as XXXX owner. I was told I could remove myself as joint owner of the account. And when I was placed back on the account, I was not informed. 

Also, I want to report an incident in which my account access was blocked a week ago simply because I had logged into my navy account from my personal computer. This is what I was told. I did not know I did not have account access until I tried to access the account. This is reprehensible service that I have been receiving from Navy Federal. They either block me or reverse an action and do not notify me of the action and this has become a pattern.

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 2024-11-07 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this to report five fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX  opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a Loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a Loan opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items ceased. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I created an account on Experian to see my credit report and to do a credit freeze and they CONTINUALLY Send me marketing emails ( that they say arent ) about my credit report. 
I have ALL communication set to off on my account. 
I have sent emails to two of their support email addresses asking them to be removed from ALL their emails. 
I continue to get them. 
There is no unsubscribe link on any of these emails.

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 2024-11-07 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: TX

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: American First Finance, Inc.
State: TX

Complaint narrative:
I submitted a dispute request for the fraudulent account reported by American First Finance. I was informed in XXXX on the phone by American First Finance the matter would be resolved and no longer report to the credit bureaus. I Also disputed this fraud account With XXXX, and it has yet to deleted. Instead, this account has been reported inaccurate again, this time as closed and paid. I never paid the account because it is not mine! i have sent my affidavit, police report, XXXX forms of ID & Dispute letter to all parties. This account is hindering my way of life. Please Help! 

Under Section 609 of the FCRA, I am requesting a copy of any documents that you have relied upon in preparing my credit report regarding this American First Finance account number : XXXX account. Additionally, Ive enclosed all relevant supporting documentation that validates my position and confirms these inaccuracies. 

As permitted by Section 611 ( a ) of the FCRA, I urge you to investigate these items within the required timeframe. If you find the information is indeed erroneous, I request the deletion of the disputed accounts from my credit report. 

Furthermore, I would like to highlight that under Section 605, any fraudulent information should not be reported once it is verified as inaccurate. I have initiated the fraud alert process with the major credit bureaus, and as such, I am taking steps to protect myself against potential identity theft. 

Please conduct a thorough investigation and notify me of the outcome within 30 days, as stipulated in the FCRA. Upon completion of your investigation, please send me a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I can be reached at [ your phone number ] or via email at XXXX should you need any further information to assist with your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
Tonight, I was really taken aback to see incorrect accounts listed on my credit report, and I have no idea how they got there. I check my report regularly, and everything has always been fine, but this time, discrepancies appeared out of nowhere. I even tried refreshing the page, thinking it was a glitch, but the incorrect accounts stayed. Im asking for a thorough review of the documents Ive submitted so I can have peace of mind about this.

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 2024-11-07 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit report. XXXX is incorrectly reporting the following details about my alleged account with : Current Closed balance : {$820.00} Original balance : {$6500.00} Last payment : {$0.00} Account status : Voluntarily surrendered, XX/XX/XXXX Settlement offer does not match credit report balance due. 
These details are inaccurate and misleading for the following reasons and must be DELETED IMMEDIATELY. The account shows as " voluntarily surrendered '' in XX/XX/XXXX, which misrepresents the situation. The total purchase amount changed to {$6500.00}, which is why I wanted the merchandise return. Again, this furniture, was surrendered in XX/XX/XXXX, NOT XX/XX/XXXX. The creditor is offering a settlement amount of {$1300.00} and if I pay this, I would have full ownership of the merchandise. If I voluntarily surrendered the merchandise in XXXX of XXXX, how can I have full ownership. I have been harassed by the creditor for 3 years by emails and text messages requesting a payment. Obviously, someone dropped the ball at their end. I was authorized to surrender these items by XXXX XXXX, from the resolutions dept. None of these amounts reflect what the credit agency is reporting on my XXXX credit report. Obviously, someone at your end has dropped the ball. This is clearly a violation of the Fair Credit Reporting Act ( FCRA ), section 611. Correct this error by deleting this account. I was approved for {$2.00} and not {$6500.00}, which is why I stopped payment on all attempted transactions. ( See attached docs. ). I complained about this various times. My name not XXXX XXXX XXXX. It is XXXX XXXX. See attached doc.

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 2024-11-07 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: VA

Complaint narrative:
I have made multiple written requests to XXXX, XXXX, and Trans Union to correct and/or remove mistaken name, address, and other identification information. Each the foregoing, however, appear to either partially address requests or introduce alternate mistaken information in subsequent mailings/reports/communications. 

The concern is that intentionally mistaken/defective variations of my identity and/or address result from the mistaken information notwithstanding my repeated attempts to ensure that all information is correct. 

I have provided clear, legible, copies of my Social Security Card and XXXX drivers license confirming my full name, suffix, and physical address, yet I continue to receive correspondence/report related materials reflecting mistaken variations. 

I never authorize the omission of my suffix from my full name ( or the variation of the appearance of my suffix ), and I do not authorize the suggestion of alternate addresses/sub-addresses/intentionally defective addresses. 

In XXXX and again this year I received fraudulent XXXX forms pairing my name with a mistaken Social Security Number. The concern is that these forms are partly attributable to the defective identification information maintained by XXXX, XXXX, and Trans Union without my consent ( and in spite of my repeated written attempts to provide correct information ). 

I am attaching an example of XXXX of multiple written attempts to correct all identification information maintained by XXXX, XXXX, and Trans Union.

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 2024-11-07 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: VA

Complaint narrative:
I have made multiple written requests to Experian, XXXX, and XXXX XXXX to correct and/or remove mistaken name, address, and other identification information. Each the foregoing, however, appear to either partially address requests or introduce alternate mistaken information in subsequent mailings/reports/communications. 

The concern is that intentionally mistaken/defective variations of my identity and/or address result from the mistaken information notwithstanding my repeated attempts to ensure that all information is correct. 

I have provided clear, legible, copies of my Social Security Card and XXXX drivers license confirming my full name, suffix, and physical address, yet I continue to receive correspondence/report related materials reflecting mistaken variations. 

I never authorize the omission of my suffix from my full name ( or the variation of the appearance of my suffix ), and I do not authorize the suggestion of alternate addresses/sub-addresses/intentionally defective addresses. 

In XXXX and again this year I received fraudulent XXXX forms pairing my name with a mistaken Social Security Number. The concern is that these forms are partly attributable to the defective identification information maintained by Experian, XXXX, and XXXX XXXX without my consent ( and in spite of my repeated written attempts to provide correct information ). 

I am attaching an example of XXXX of multiple written attempts to correct all identification information maintained by XXXX, Experian, 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 non-monetary relief
Consumer complaint received 2024-11-07 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: VA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX XXXX Account ending in ( XXXX ), opened in XXXX XXXX, which has negatively impacted my credit report. I have submitted XXXX reports, but this keeps getting confused with the other XXXX account I have on my report ending in ( XXXX ). Here are the relevant details of the situation : XXXX. XXXX XXXX : This was an auto loan for a vehicle that I traded in on XX/XX/year>. The dealership promptly paid off the loan to XXXX XXXX XXXX XXXX on XX/XX/year>, using a check, which I will include in this report. XXXX. Issue with Reporting : XXXX has been incorrectly reporting a XXXX late payment for this loan. I have been disputing this matter for several months, but XXXX continues to report false information. They have also changed the reporting details several times during this process. As of now, the following incorrect information is being reported on my credit file : First Delinquency Date : XX/XX/year> ( This is inaccurate. ) Date of Last Payment : XX/XX/year> ( This is inaccurate as well. ) Date Closed : XX/XX/year> ( While this is correct, the context is being misrepresented. ) XXXX. Incorrect Reporting Practices : According to my communication with XXXX, they claim the XXXX late payment is based on when my last payment was made. However, this should be based on my original payment due date, which was not XXXX days past due at any time. I believe this reporting is a violation of accurate credit reporting standards. The account was in good standing, and the loan was paid off in full by the dealer within the appropriate time frame. Attachments Chartway check.jpg

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX {$210.00}. Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX {$210.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-07 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: AZ

Complaint narrative:
In a recent review of my credit report Ive noticed a violation in my privacy in accordance to 15 U.S.C 6801 which pertains to the protection of consumers non public personal information and the sharing of that information by financial institutions. My non public information was shared with XXXX XXXX XXXX ( account number XXXX ) without consent and it has impacted my consideration with my current housing needs. I would like to Opt-out of this specific information being shared effective immediately and indefinitely.

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