vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-05 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: MD

Complaint narrative:
Instances of lateness on my account are rare, as I have a track record of being a responsible and timely payer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
on XX/XX/year> I went into my Ally bank account and change my phone number and my email address. 

Today I went in to make a transaction on that account and they wanted to verify my identity by sending me a text or a phone call. Unfortunately, that phone call or text was going to the prior phone number. I then called the helpline number spent over 25 minutes with an agent who couldnt help me. I then hung up with him called back, spent another 10 minutes. The only resolution they gave me was that they would File a case with their back office department. Unfortunately, I have to wait anywhere from 24 to 48 hours to hear back with them, meaning I have no access to my funds.

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 2024-12-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unnotarized accounts/information reporting to my credit report. I am writing to formally request the removal of unauthorized inquiries. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identified inquiries listed below that I did not authorize. 

The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA. 

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 XXXXXX/XX/XXXX As these inquiries were unauthorized, I am requesting that they be promptly removed from my credit report. 

Supporting Documentation To further validate this request, i have enclosed a copy of my identity theft report and multiple forms of identification to verify my identity. 

Statement Regarding Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ), no entity may access my credit report without my explicit consent or for permissible purposes as outlined in the FCRA. Unauthorized inquiries are a violation of my rights under this law. Specifically, 15 U.S.C 1681b states that a consumer reporting agency may only furnish a consumer report under certain legally permissible circumstances, such as with the consumer 's consent. 

The listed inquiries were not authorized by me and, given that I have been a victim of identity theft, these inquiries further represent fraudulent activity. Enclosed are my identity theft report and multiple forms of identification, which support my claim and verify my identity. I demand that these inquiries be removed from my credit report immediately, no later than 14 days from receipt of this letter. Failure to comply will result in me escalating this matter to the appropriate regulatory agencies and seeking all available legal remedies. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-05 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 had a credit card with XXXX XXXX XXXX XXXX fromXXXX until XX/XX/XXXX. XXXX closed the account because I was delinquent due to a XXXX. The account was reported, as expected, marked as closed. However, the creditor is continuing to ad a late payment each month, currently showing in excess of fifty missed payments, as recent as XX/XX/XXXX. I believe this is an attempt to extend the reporting time on the account in perpetuity. Further, the creditor will not, despite my requests, to show a date in the account closed field of my credit reports. I believe the payment reporting must stop after the account is closed. The account is now out of the Statute of Limitations in Virginia ( 5 years, pursuant to VA Code 8.01-246 ) so I believe it should be deleted from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PLEASE SEE THE ATTACHMENT DOCUMENTS FOR THE FOLLOWING ACCOUNTS. DELETE ASAP, WITH 5 DAYS

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently noticed multiple inquiries from your company on my credit report that I dont recognize or remember authorizing. This has been extremely stressful as its affecting my credit score.

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 2024-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute the reporting of late payments associated with the above-referenced account on my credit report. Upon reviewing my credit reports from XXXX, Experian, and XXXX, I identified discrepancies that are both inaccurate and harmful to my credit standing. The late payments reported are not reflective of my actual payment history. Specifically : XXXX and Experian reported three 30-day late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX shows no reported late payments for this account. 
Experian removed one late payment upon a previous dispute, and XXXX has now updated the account to reflect " none reported. '' Reason for Dispute : The reported late payments for XXXX, XXXX, and XX/XX/XXXX do not align with my records. Based on my financial documentation and bank statements, all payments for this account were made on time and as agreed. 
Violation of the FCRA : Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports must not contain inaccurate information about transactions or experiences.

15 USC 1681i ( a ) ( 7 ) : Upon request, you are required to provide a detailed description of the procedures used in your investigation of the disputed information. 
Action Requested : Investigate this account and update all late payments for XXXX, XXXX, and XX/XX/XXXX to reflect a status of Paid As Agreed, Never Late. 
Provide a description of the investigation process and evidence used to verify the accuracy of the reported information. 
Remove any negative notations associated with the late payments on this account. 
If you can not verify the late payments, please provide the procedures and evidence used for the verification. Failure to provide this information within the legally mandated timeframe will be considered a violation of the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
I expect a written response within 30 days from the receipt of this letter. Thank you for your prompt attention to this matter. 
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 2024-12-05 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-05 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: NJ

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately : XXXXXXXX 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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: First Texas Auto Credit, Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: PA

Complaint narrative:
I reached out to multiple agents from National Recovery Agency via email and phone regarding an account theyve created from XXXX! However, I contacted XXXX they did their investigation and updated the balance of {$180.00} and sent the updated amount to XXXX XXXX XXXX another collection agency, I sent all documentation to national recovery as I was told to email the documents. A team lead name XXXX XXXX responds to the email stating he will send it over to their client service team and update the balance. Which is incorrect because the updated balance is with another collection company and I stated that via phone twice to 2 different agents which they hung up on me because I stated its nothing they can do with the account anymore! Now XXXX XXXX is ignoring my phone calls and not responding to my emails as I sent over proof that theyre no longer have any account with my information that it was corrected by XXXX and sent to another agency.

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
XX/XX/XXXX Myself and my son closed our savings and checking account by phone with navy federal credit union. I was told that refund cashier check would be mailed to myself in the amount of {$770.00} and to my son XXXX XXXX in the amount of {$650.00} within XXXX business days by XXXX. There are no NFCU banks locally, this was the only option given from NFCU. 

XX/XX/XXXX Called to notify no mail with cashier check received. I was told to submit a declaration of loss form. The only way to submit the form was by mail. Both forms for myself and son were mailed on XX/XX/XXXX. 

XX/XX/XXXX called NFCU again, NFCU stated they did not received forms. 

XX/XX/XXXX Remailed forms again to NFCU. 
XX/XX/XXXX claimed to have received forms. 

XXXX called NFCU again, person ( adrianna XXXX stated she would look up information and return call. 

XXXX called again the customer service representative stated cashier checks were reissued and mail on XX/XX/XXXX. 

XXXX Called again because no mail with checks received, I was told 7-15 business days not including holidays XXXX called again asked to speak with manager. I stated that my son and I never received checks. I was told that i would have to resubmit a declaration of loss form and wait 90 days before cashier check could be reissued.Manger stated NFCU mailed cashier checks out on XX/XX/XXXX. I requested that NFCU immediately cancel cashier check and I would drive XXXX hours to bank to pick in person. I was told that was not an option I would have to wait 90 days then they cashier check would be cancelled, refunded to our already closed bank accounts. With processing time could take up to 14 days before a check would be remailed. I asked the manager to give me the checks number and copy of the check and tracking information. I was placed on hold for XXXX minutes. The manager states they have no way of tracking the mailed envelope with the cashier checks. The manager then told me the " back office '' would cancel the checks within XXXX hours and resend cashier checks. Manager also stated she is not sure of timeline for checks to be remailed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-05 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:
There are accounts on my credit report in pending litigation that should not be there, and despite multiple attempts to get them reviewed and removed, no action has been taken.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT : XXXXXXXX XXXX number : 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