vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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 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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 explanation
Consumer complaint received 2024-12-21 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: OR

Complaint narrative:
I have over 15 years of credit history both good and bad. I've filed bankruptcy more than once and I've had tons of accounts in collections over the years. I also have a very common name that often gets mixed up with other people with the same name. 
There are more than a dozen inaccurate addresses on my Experian credit profile. I've tried deleting them through online disputes only to be met with an error message to call XXXX. I've written a request to delete these addresses that I've never been associated with & didn't get a response and nothing happened. I called Wednesday XX/XX/XXXX as requested. The frontline representative told me they can't delete or dispute the erroneous addresses and that I should contact whichever bank/company reported it. I told them I believe some of these addresses are fraud as I've never lived there. They transferred me to the fraud department at Experian who told me the same thing. 
I believe banks/collection agencies use tools to XXXX XXXX XXXX XXXX / find other possible addresses to send collection notices. When they did this, they also reported these addresses that aren't mine. Regardless of however they came up with these addresses- they aren't mine. 
XXXX XXXX XXXX XXXX removed addresses that aren't mine in one simple request. Why does Experian have to be so difficult? 
I haven't been declined credit as a result of my Experian report having 19 addresses that need to be removed, nor has this impacted my credit score... it is simply inaccurate information and it needs to be removed. 
Objectively I know where I have lived and what my address is.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There are fraudulent collections and inconsistent and inaccurate information on my credit report that needs to be removed immediately XXXX XXXX XXXX for {$170.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  for {$340.00} Opened XX/XX/XXXX XXXX XXXX LL Opened XX/XX/XXXX HARD INQUIRIES AS WELL XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am writing to formally file a complaint against XXXX and Equifax for false reporting on my credit report, which has significantly damaged my credit score and adversely affected my livelihood. 

Background Information My name is XXXX XXXX, and my XXXX credit report reflects inaccuracies that have unjustly reduced my credit score to XXXX, along with Equifax reporting my credit score to be XXXX, placing it in the Poor category. This false reporting stems from issues including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is the same account : Marked as potentially negative without accurate updates or justification. 

Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX following a voluntary dismissal. There should be no remaining balance or negative impact associated with this account. ( Reference : Case Details Document. 

These errors have resulted in significant financial and personal distress, including : Denial of credit opportunities. 

Inability to secure better financial terms or loans. 

Detrimental effects on my ability to maintain and improve my livelihood. 

Impact on My Livelihood As a result of these inaccuracies, my livelihood has been severely affected. The wrongful classification of my creditworthiness has : Limited my ability to secure essential resources and services. 

Created undue stress and financial hardship. 

Requested Resolution I request that the Consumer Financial Protection Bureau investigate XXXX and Equifax 's false reporting practices and require the following : Immediate correction of all inaccurate information on my credit report. 

Removal of any negative entries linked to resolved or dismissed cases, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Compensation for the financial and emotional damages caused by these reporting errors. 

I have attached supporting documentation, including court records and current credit report summaries, to substantiate my claims. ( References : Case Documents, XXXX Credit Report Summary, Equifax Credit Report Summary ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I trust that you will address this issue promptly and fairly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: Self Financial Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 loan account opened at 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 These accounts have resulted in fraudulent charge off appearing on my consumer FICO credit report. I've attached a copy of my consumer report of the fraudulent charge off in question by which shows the aforementioned fraudulent item. I do not recognize the aforementioned account on my consumer credit report maintained by you were opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Complaint XXXX XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Equifax for inaccurate reporting of a collection account on my credit report. The inaccurate and incomplete information has caused significant harm to my credit standing and violates the Fair Credit Reporting Act ( FCRA ). 

Key Issues : Inaccurate Reporting of Collection Account : Equifax is reporting a collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$840.00}. 
This account is associated with an alleged debt from XXXX XXXX XXXX. that I dispute. 
Failure to Update or Correct Information : The account remains on my credit report despite being disputed previously, with no resolution or evidence provided to validate the debt. 
Equifax has failed to verify the accuracy of the information and continues to report this account as derogatory. 
Violation of FCRA Obligations : Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. Equifax has failed in its duty to investigate and correct this erroneous entry. 
Impact on My Credit Report and Financial Standing : The inaccurate reporting of this account as a collection item has caused severe damage to my credit score, affecting my financial stability and ability to secure credit.

Resolution Requested : Immediate Removal of the Inaccurate Account : I request that Equifax remove the XXXX XXXX XXXX collection account from my credit report due to insufficient documentation and validation of the debt. 
Compliance with FCRA Requirements : Equifax must ensure compliance with the FCRA by verifying the accuracy of all reported information and taking necessary steps to correct any inaccuracies promptly. 
Detailed Investigation and Report : I request that Equifax provide a detailed explanation of its investigation process and the steps it will take to ensure this issue is resolved and does not reoccur. 
Supporting Documents Enclosed : A copy of my Equifax credit report showing the inaccurate reporting of the XXXX XXXX XXXXXXXX XXXX 
Prior correspondence and documentation related to disputes of this debt with XXXX XXXX XXXX XXXX XXXX XXXX 
Impact and Final Request : The inaccurate reporting by Equifax has caused undue financial and emotional stress. I kindly request the CFPBs assistance in ensuring that Equifax resolves this matter promptly and that my credit report is corrected to reflect accurate and validated information. 

Thank you for your attention to this matter. 

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 2024-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account is fraud. I had my credit breached 3 times. I have ask for them to remove it but they refuse. I ask for proof that they have but no answer. Now, it is reported as a charge off but with a balance or past due. Thats inaccurate reporting. They refuse to change anything. I am at whits end with them. It's not mine and this has befn going on for months. At the time of this, my breaches i had bank accounts being set up in my name. I managed to stop them. This needs to be corrected.

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Union 's improper handling of unauthorized charges totaling {$8600.00} on my credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, unauthorized charges were made on my card. I have provided Navy Federal with extensive documentation proving I could not have made these charges, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 4. Written fraud claim documentation 5. Navy Federal 's Written Statement of Forgery form Despite this clear evidence of my XXXX XXXX XXXX XXXX to make these charges, Navy Federal denied my claim on XX/XX/year>. This denial violates my rights under the Truth in Lending Act ( 15 U.S.C. 1643 ), which : - Limits my liability for unauthorized charges to {$50.00} - Places the burden of proof on Navy Federal to prove authorization - Requires the credit union to conduct a reasonable investigation Navy Federal has failed to explain how these charges could be authorized when hospital records prove I was physically incapacitated during the transactions. This has caused significant financial hardship and emotional distress during an already challenging medical situation. 

I am requesting : 1. Full reimbursement of the unauthorized charges ( {$8600.00} ) 2. Removal of all related fees and interest 3. Correction of any negative credit reporting 4. Written explanation of their investigation findings

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that have been reported on my credit file by your company, AMERICAN CREDIT ACCEPT. The inquiry in question was made on XX/XX/year>. This inquiry was conducted without my consent and therefore violated the Fair Credit Reporting Act ( FCRA ), specifically regarding permissible purpose. 

Under the FCRA ( 15 U.S.C. 1681b ), a company must have a permissible purpose to access a consumers credit report. Since I did not authorize or initiate any business dealings that would grant your company such access, these inquiries are unauthorized.

I request that you immediately : 1.Remove the unauthorized inquiries from all of my credit reports ( XXXX XXXX XXXX XXXX XXXX XXXX 
2.Provide compensation of {$1000.00} as stipulated under the FCRA for each violation. 

If you are willing to resolve this matter amicably, I am prepared to sign an agreement that includes the removal of these inquiries and the payment of the compensation without requiring your client to admit any wrongdoing. This would be a mutually beneficial resolution and would save both parties the time and expense of further action.Failure to do so mat also lead meto file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Please be advised that if I am forced to litigate, I will seek actual damages as allowed under the FCRA, including but not limited to costs incurred as a result of these unauthorized inquiries. Additionally, I will pursue compensation for attorneys fees, court costs, and other expenses related to litigation. Below is an itemized estimate of potential litigation costs : Attorney Fees : {$5000.00} - {$10000.00} Court Filing Fees : {$500.00} Discovery Costs : {$1000.00} Expert Witness Fees ( if necessary ) : {$3000.00} Additional Miscellaneous Costs : {$1000.00} Total Estimated Litigation Costs : {$10000.00} - {$15000.00} I urge you to consider the significant expense litigation would entail for your company in comparison to resolving this matter promptly and amicably. 

Please provide a written response to this letter within 15 days of receipt, confirming the steps you will take to address this matter. If I do not receive a satisfactory resolution, I will be compelled to explore additional remedies available to me under the law. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: IL

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress 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 explanation
Consumer complaint received 2024-12-21 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: IL

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-12-21 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:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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