vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, 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 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Company above sent me one letter in XX/XX/year> regarding a judgement that the office entered in the superior court Civil Unit. Prior to this notification, I was never informed nor contacted for any payment arrangements and/or settlement of the account. This company proceeded in freezing my bank account funds on XX/XX/year>. I dont have access to anything. I am a single of XXXX XXXX under the age of XXXX and I need access to my bank account. This is beyond unlawful and its causing my children to suffer, because I dont have access to my funds to care for them. 

Furthermore, I have been attempting to contact this law firm for over two weeks, I have left messages and even writing emails and I dont get a call back.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX, account number XXXX, has violated my rights. 

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 states. A consumer reporting agency can not furnish a account without my written Instructions.

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 2024-11-15 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: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

3. Employer Information : My current employer is XXXXXXXX XXXX XXXXXXXX

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 2024-11-15 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: CA

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

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 2024-11-15 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:
Recently I reviewed my credit report and noticed incorrect and inaccurate information causing tremendous damage to my credit report.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute to XXXX on XX/XX/year>, through the CFPB Complaint Portal. Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to investigate and respond to my dispute within 30 days. I have not received a response from XXXX as of today 's date, which is beyond the allowed response timeframe. If XXXX needed additional time to gather information, they could extend the response time to 45 days. However, I have not been notified of any such extension, and the deadline has passed. I am seeking CFPBs assistance to ensure that XXXX complies with FCRA requirements by providing me with a prompt response to my dispute. ''

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 2024-11-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
Account Number : XXXX XXXX XXXX XXXXXXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

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 2024-11-15 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: IL

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's my understanding that Transunion will investigate this account to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each times reporting different I am not under bankruptcy Ask them to send me a copy of the information reporting and have yet to do so it's been a bout 3x I have requested it Shows up on XXXX XXXX and transunion Requested how did they obtain the information To verify and send me copies never received a letter or proof

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Each times reporting different I am not under bankruptcy Ask them to send me a copy of the information reporting and have yet to do so it's been a bout 3x I have requested it Shows up on XXXX equifax and XXXX Requested how did they obtain the information To verify and send me copies never received a letter or proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I Noticed that I have unauthorized inquiries on my credit report and that someone may have applied for something in my name according to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( bank ) - XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/4 Navy FCU ( Finance ) - XX/XX/XXXX 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 2024-11-15 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I Noticed that I have unauthorized inquiries on my credit report and that someone may have applied for something in my name according to the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX XXXXMercedes Benz XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXXXX/XX/year> MB FIN SVCS ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX & XX/XX/XXXX of XXXX. Collection agency text me without giving and any validation information or anything attempts to state it was a collection agency any attempts to collect a debt. Instead of communicating by mail, they chose to text me which my grandchildren seen the information. The information contain with in the text, describe the nature of the debt any amount of the debt along with their phone number. I have attached the text messages that was received from this collection agency. I did not give them permission to text me nor did they try to make communication by Mail to advise or give me the right to dispute the validity of this debt. This debt was fraud, created by a third-party in which XXXX XXXX  refused to do any investigation and kept sending it back to me. I have refused to pay for somebody else charges of {$500.00}. I do pay my bills, but I am not going to pay. XXXX also tried to put it on my credit report without giving me any resolution to this issue. XXXX is a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by Equifax regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, Equifax is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : Equifax reports a XXXX late payment for XX/XX/year>. 
XXXX and XXXX report a 30-day late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections 15 U.S.C. 1681i and 1681s-2 mandate that credit reporting agencies, including Equifax, correct any inaccuracies or incomplete information to ensure maximum accuracy.

Requested Action : I request that Equifax conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history.

Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
XX/XX/scrub>XXXX  Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by Equifax regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, Equifax is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : Equifax reports a 30-day late payment for XX/XX/year>. 
XXXX and XXXX report a 30-day late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections 15 U.S.C. 1681i and 1681s-2 mandate that credit reporting agencies, including Equifax, correct any inaccuracies or incomplete information to ensure maximum accuracy.

Requested Action : I request that Equifax conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history.

Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: GA

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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened, a auto loan account with XXXX XXXX on XXXX, XXXX under the account XXXX, a XXXX XXXX  personal loan account on XX/XX/XXXX under account XXXX, a telephone account with XXXX XXXX on XX/XX/XXXX under account XXXX, another credit account with XXXX  on XX/XX/XXXX under account XXXX, another XXXX XXXX on XXXX, XXXX under account XXXX, and XXXX XXXX on XX/XX/XXXX showing no-account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 nams. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned acoounts, 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, are the result of identity theft and fraud, i have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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