vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX & XXXX XXXX Balance Owed : {$1800.00} 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 XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> Reason : Investigation Request To Whom It may Concern, I received a copy of my credit report with the intention of trying to gain a better understanding of my credit score ( XXXX, XXXX, XXXX ) and see what accounts I had listed on my reports. I know it is my responsibility to monitor my credit report and take responsibility of what is on my credit report. Upon reviewing my report I noticed some inconsistencies in information showing. Im not sure if the information is supposed to be listed this way. Read that under the Fair Credit reporting Act that as a consumer I have a right to have my credit report Investigated for inaccurate information that is being reported. I am not familiar with the laws but or you familiar with something called 15 U.S.C. 1681i ( a ) I read that if you can not provide proof of why account or listed inaccurate on my credit report then you must delete the item. This is what actually got me to send you this letter because I was to make sure that the information on my credit report is reporting correctly. So Please investigate the following account for inaccurate information.1 ) XXXXNavy Federal CU Account XXXX XXXX ). Navy Federal CU account number-XXXX XXXX )XXXX XXXX XXXXXXXX XXXX XXXX  account number-XXXX XXXX ) XXXX XXXX XXXX account numberXXXX XXXX ). navy federal credit union account numberXXXX XXXX ). XXXX XXXX account numberXXXX i request that you complete a fair investigation into this matter and update my credit report and it is vital that the accuracy and intergrity of my credit history. I do not have any other names or aliases and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the XXXX XXXX XXXX, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are items on my credit that do not belong to me, I have filed an FTC report and sent to the three bureaus, some of these items are still reporting erroneously : XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$1800.00} XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXXXXXX {$350.00} XXXX XXXX {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} I am attaching my license and an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
There are items on my credit that do not belong to me, I have filed an FTC report and sent to the XXXX bureaus, some of these items are still reporting erroneously : XXXX XXXX- XXXX {$0.00} XXXX XXXX {$1800.00} XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX {$0.00} XXXX XXXX- XXXX {$650.00} XXXX XXXX- XXXX {$350.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX- XXXX {$2000.00} I am attaching my license and an FTC 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 2024-06-10 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 always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I called Experian to help me remove a XXXX XXXX XXXXXXXX XXXX XXXX account ( opened on XX/XX/XXXX ) that was negatively impacting my credit score. This was on the basis that I already paid off that account and that there was no reason that that account would continue to negatively impact my credit score. 

After about 11 days, I received an email from Experian stating that the dispute has been resolved, only to find out that the account that they removed on my behalf was the wrong XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, instead of the one opened on XX/XX/XXXX. 

Now, my credit score has dropped XXXX points apparently because of this mistake by Experian. Experian advised me to call XXXX XXXX ( XXXX ), which I did. Unfortunately, a customer service representative from XXXX XXXX told me that they could not reinstate reporting this XXXX account back. 

This is so confusing as a consumer. On the one hand, Experian advised that I should call XXXX XXXX because they are the only ones who could reinstate the reporting of that XXXX account back. On the other hand, XXXX XXXX is saying that they could not do this. 

Please help me because I really need a fair and honest credit score right now.

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 2024-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
please remove these inquiries from my credit report ASAP! 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reached out to the 3 major credit bureaus to assist me and requested deletion on account errors on my account. Only XXXX helped me and complied on the removal of errors, while XXXX and Transunion required to report it to police or FTC for Bad Business Practice and Unauthorized Inquiries negatively impacting my credit report. 

Transunion Errors for removal : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX for removal : XXXX. XXXX  XXXX ( Duplicate and unauthorized ) - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 2024-06-11 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the PDF. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to be paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the PDF attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
I have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the PDF. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to be paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the PDF attached.

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: WI

Complaint narrative:
I am writing to file a formal complaint against CACI Collections regarding an account on my credit report. I have made multiple attempts to resolve this matter directly with CACI Collections, but they have not responded to my requests for debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of this account on my credit report. Upon reviewing it, I discovered inaccuracies that need immediate attention. 

Firstly, this account was not part of any bankruptcy proceeding and should not be reported as such. Secondly, the balances reported for this account is incorrect and do not reflect the actual amounts owed : There was an error in reporting this account, and I request they be removed or updated to reflect their accurate status. I understand the importance of maintaining accurate credit information and ask that you conduct a thorough investigation into this matter. 

XXXX, XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT HISTORY AND CAME ACROSS FRAUDULENT TRANSACTION, PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS 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 2024-06-11 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding Chase Bank 's handling of a recent dispute. My family and I fell victim to an online Ponzi scheme called XXXX XXXX XXXX, resulting in losses exceeding {$20000.00}. XXXX XXXX XXXX deleted our accounts without proper communication or justification. The company has been widely exposed as a fraud by numerous individuals online, citing server issues designed to cost traders money and arbitrary denial of payouts. 

When we reported this scam to a Chase representative, our claim was rudely dismissed without any request for supporting evidence. The representative 's rationale was that we had used the service, despite our explanation that XXXX XXXX XXXX is an unregistered and unregulated online firm that never delivered the services as advertised. This company is a scam, and we were misled into believing we were engaging in real futures trading, while in reality, it was a fee-based Ponzi scheme. 

I am seeking Chase Bank 's assistance in resolving this matter and recovering our lost funds. We urge you to reconsider our case and take appropriate action against this fraudulent entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it 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 2024-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
When I first took this loan, the interest rate were not explained to me otherwise I would've never took the loan to begin with when I decided that I wanted to close the loan. It was ready too late. Also, I was told that after XXXX months period of me paying the loan on time I will be eligible For secure loan, which never happened when I ask the company to send me all the receipt of the payment that I made through the loan I was never able to get them online is not available at this point is very difficult for me to even paying this loan and I don't know what to do because every month I pay a little bit, however the interest is keep getting higher and higher. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/year> I made an online payment through E-Bill - PNC Banks Cash Insight for business : XXXX XXXX XXXX XXXX. The money was withdrawn from my XXXX XXXX XXXX checking account successfully on XX/XX/year>. 

The owner of XXXX XXXX XXXX XXXX contacted me to tell me that PNC Bank told her that the money was never received and it was rejected back to her. PNC Bank told her that I needed to call my bank to resolve. 

I contacted XXXXXXXX XXXX, who advised that the money was sent, they provided the following trace # s : XXXX And XXXX XXXXXXXX XXXX  could not dispute the transaction, and stated that PNC Bank would have to fix the problem. I keep getting the run around for this transaction. The money was sent to XXXX XXXX XXXX XXXX, - PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: MO

Complaint narrative:
Its illegal to furnish my personal information without my consent also the dates for this account is wrong it shouldnt be on my credit report I never received disclosure forms

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX. I have a problem with the banking entity, XXXX. My money is being withheld. The advisor, XXXX XXXX, makes fun of me. She doesn't give me an answer. She has the amount of XXXX dollars withheld from me. They asked me intimate questions about me. I have to explain to them. I'm XXXX and my partner gives me the funds, you don't want to give me the money, they don't answer every time I call, they make fun of me, the manager doesn't want to talk to me, in short, they want to steal the money.

Company response to consumer: Closed with explanation