vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I applied for a credit card and I was denied because of a credit score which is prohibited 15 U.S.C 1691

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The company ( Us Auto car sales ) went out of business XXXX of XXXX  & Westlake Portfolio Management took over all payments and finances. My concern is my payments havent been reflecting my principal balance & im paying more in interest since Westlake portfolio took over my payments. I have over 1,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-02 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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:
After examining my credit report, I noticed numerous billing errors. The late payments recorded do not correspond with my usual payment history.

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 2024-10-02 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: OK

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from 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 2024-10-02 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NV

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX  XXXX for their failure to accurately process my XXXX mortgage payment. 

On XX/XX/XXXX, at XXXX XXXX, I made my monthly mortgage payment through XXXX XXXXXXXX XXXX online portal. Despite making the payment before the end of the month, their system erroneously recorded it as being made on XX/XX/XXXX. 

I promptly contacted XXXXXXXX XXXX XXXX customer service department on XX/XX/XXXX to address this issue. I spoke with multiple representatives, including XXXX, XXXX, XXXX, and was escalated to XXXX, They all insisted that the payment was not made in the month of XXXX, but it was. 

Despite the clear evidence and multiple confirmations, XXXX XXXX  has refused to acknowledge that the payment was made on the correct date. They are now threatening to report a 30-day late payment on my credit report, which will have a significant negative impact on my credit score. 

Furthermore, XXXX XXXX  is also reporting rolling 60-day lates from XX/XX/XXXX, to XX/XX/XXXX. This inaccurate reporting is causing me extreme stress and frustration. 

I believe that XXXX XXXXXXXX XXXX actions are a clear violation of consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to hold XXXX XXXX  accountable for their misconduct. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2024-10-02 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

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  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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2024-10-01 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: OH

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

Bankruptcy Reference # 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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: FL

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MI

Complaint narrative:
I dont know what this company is and have not gave consent to have my information. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Klarna AB
State: MI

Complaint narrative:
I have not authorized KLARNA to give my information to these companies ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is illegal. 

I have not authorize or gave consent for XXXX XXXX  to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: CA

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/year> I sent in letters to the credit bureaus informing them about the inaccurate negative items on my credit profile. I asked them to send me proof of the inaccuracies and they have yet to do it. It's been well over 30 days and today makes day XXXX. 

For the XXXX account with the account # XXXX, It's reporting positive on XXXX but negative on XXXX. The payment status is unknown on XXXX but is listed as current on XXXX. This is clearly false reporting and according to the FCRA anything that's being reported incorrectly must be deleted at once. Next we have the XXXX credit card, account # XXXX, the XXXX credit card, account # XXXX, and the XXXX XXXX account, account # XXXX reporting late payments. I was never late on any of these accounts. 

I asked the credit bureaus to please supply documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on my accounts and they could not supply this, and to remove the alleged late payments from my report per USC 15 1666B, a creditor may not treat a payment on a credit card as an open ended consumer credit plan! I have yet to get a response from them. 

Finally, for the XXXX XXXX, account # XXXX, the late payment status is blank on XXXX but is stating 90 days late ( XXXX ) on XXXX displaying further evidence of false inaccurate reporting. These inaccuracies on my credit report has caused me a tremendous amount of stress and if these items aren't removed at once I will be forced to file for litigation. I was a victim of the XXXX data breach and other recent breaches and I know my information has been compromised. Thanks for your help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the Equifax and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists My info was used fraudulently to get a apartment in XXXX after doing some digging I see someone fraudulently opened an apartment and didnt pay and broke lease causing that {$5200.00} which I guess was sent to third party creditors and the others are internet and utility bills

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists My info was used fraudulently to get a apartment in XXXX after doing some digging I see someone fraudulently opened an apartment and didnt pay and broke lease causing that {$5200.00} which I guess was sent to third party creditors and the others are internet and utility bills

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 2024-10-02 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: Possible Financial Inc
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Reporting on Possible Financial Inc. Accounts I am filing this complaint to dispute inaccurate credit reporting related to my accounts with Possible Financial Inc . The details of the accounts are as follows : - XXXX  Account Number : XXXX ( Reported by Possible Financial Inc. ) - XXXX Account Number : XXXX ( Reported by Possible Fina ) I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : - I have submitted requests for validation of the debt and verification of the accuracy of the information being reported on these accounts. 
- Both XXXX and XXXX continue to report inaccurate information regarding these accounts despite my efforts to dispute the data. 
- The information being reported by Possible Financial Inc. to both XXXX and XXXX is inconsistent and appears to be incorrect. 

This inaccurate reporting has caused significant negative impacts on my credit score and overall creditworthiness. I am requesting the CFPBs assistance to ensure that Possible Financial Inc. and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and either provide proper validation of the accounts or remove them from my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief