vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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.
State: NJ

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 2024-10-10 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I took a trip to XXXX, and afterward, I noticed several charges on my credit card that I did not authorize. I disputed the charges with Navy Federal and canceled my card, then ordered a new one. The conclusion they sent me by mail stated that the charges were accurate based on my account activity. When I called to ask how I could further dispute this, they asked me a few questions and requested reasons why the dispute should be honored, which I provided. However, the conclusion remained the same, which I am upset about because I believe I should not have to pay interest or charges that I never authorized. 

I felt I gave sufficient reasons for why the dispute should be honored. First, I rarely dispute charges after years of having the credit card. Ive only disputed charges twice : once for a refund that took too long ( for which I provided a receipt ), and the second time for a small charge of less than {$5.00}, where I was double-charged for a drink. Navy Federal has a zero-tolerance fraud policy, which they have not upheld. They also havent reached out to any of the merchants for more information, and Navy Federal provided the exact same reason upon the second review of my dispute. 

I tried reaching out to the merchants myself but had no luck. I informed Navy Federal that this could have happened before I left XXXX, specifically after renting a golf cart, where the company in XXXX requested a picture of my ID and credit card information. The fraudulent charges totaled around {$520.00} USD. 

I almost exclusively bank and borrow from Navy Federal Credit Union and have diligently paid on time or earlier. It is shocking that they wont honor their own policy, which has made me reconsider banking with them altogether. Their fraud department was far from pleasant to work with and seemed to take no action beyond simply reviewing my account activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After carefully reviewing my latest credit report, I found multiple accounts that I believe are erroneous and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-10-10 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 am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-10-09 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: FL

Complaint narrative:
I cant believe what I saw on my credit report this morning! Inaccurate accounts are popping up, and Im completely at a loss as to why. I checked my report like I always do, and suddenly there are discrepancies out of nowhere. I even tried refreshing my browser, hoping it was just a temporary glitch, but the inaccurate accounts are still there! Im pleading for the documents I sent to be thoroughly reviewed so I can stop worrying about this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft resulting from the Equifax data breach, which has led to the inclusion of incorrect names, addresses, and employers on my credit report. Despite multiple attempts to dispute and resolve this matter with Equifax, they have not taken the legally required steps to address these inaccuracies. Below are the details of the violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block Equifax is required by law to block any information resulting from identity theft within four business days upon receiving proof. Despite providing all necessary documentation, Equifax has failed to block the fraudulent information associated with my identity.

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

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-10-10 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-10-09 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by XXXX. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : Experian and XXXX both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while XXXX and Experian has the same. 
XXXX. Comments : o Experian : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : Experian and XXXX both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the Experian report but is correctly listed as {$5600.00} on both the XXXX and XXXX reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how Experian should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, 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 2024-10-09 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by XXXX. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : Experian and XXXX both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while XXXX and Experian has the same. 
XXXX. Comments : o Experian : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : Experian and XXXX both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  : Is showing as {$0.00} on the Experian report but is correctly listed as {$5600.00} on both the XXXX and XXXX reports. 
XXXX XXXX XXXX XXXX for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how Experian should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, 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 2024-10-09 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: TX

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX, I received a call from them XXXX that I owed a debt after I notified XXXX XXXX to send me a validation letter they went off to tell me to give them my email. I told them to send me a validation letter thru mail in which they seemed to have my address and include all info I needed from them. Very rudely he said u already know what u owe even to call me a rude name. This is very rude and unnecessary tactics and very unprofessional and he did not have to call me an unpleasant name. Please investigate this company. This was my first time speaking with them this is very unfair and did make me feel uncomfortable.

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 2024-10-10 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: OneMain Finance Corporation
State: IN

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Indiana Laws Dear ONEMAIN, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Indiana state identity theft and fraud laws.

It has unequivocally come to my attention that ONEMAIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Indiana 's identity theft and consumer protection statutes, such as Indiana Code 24-4.9 ( Identity Theft Protection Act ), emphasize the necessity of safeguarding personal information and penalize the unauthorized use of a persons identity. Indiana law also provides for restitution and statutory damages for identity theft and unauthorized reporting that may lead to financial harm.

I assert with unwavering certainty that I have not provided consent for ONEMAIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Indiana state laws.

I demand, with the utmost certainty, that ONEMAIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Indiana state identity fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Indianas identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Indianas identity theft and fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ONEMAIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
CHASE DEFRAUDED ME AND MY Family, and my community. They abused us by tipping off the amounts that where in our accounts and They exposed where we domiciled. Chase exposed our personal and private vital information. 
Because of this we have been evicted from our properties. We were victims of identy theft, financial fraud, racketeering and theft of vehicles, credit cards, bank accounts and other intellectual property.

debt collectors coming to our homes taken fraudulent actions against us in which they have no authority to do so. A business is not real therefore a business can not speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Because I am a public school teacher, I have tried to have my loans forgiven. I have requested that my Navient loans be serviced by XXXX. Navient continues to service my loan and continues to call my relatives and harass them. They are calling and harassing my parents, children, siblings, ex husband, and my XXXX XXXX XXXX niece.

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

Complaint narrative:
I have recently looked at a copy of my credit reports from Experian, XXXX, and XXXX and noticed several inaccuracies on my reports. There are many different names and addresses that are inaccurate and I do not recognize. I asked for the agencies to update my reports with my accurate and current residential information as well as employment information and none of these have been removed. 

It is my understanding that you will investigate these reports for me to ensure the correct information is reflected on my accounts as this hurts my ability to verify my identity 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 explanation