vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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 am writing to formally dispute inaccurate information on my credit report as provided by your bureau, specifically regarding the account with XXXX XXXX. After reviewing my credit report, I have found numerous inaccuracies and late payment entries that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

# # # Inaccuracies Identified : 1. Account Status : The account is reported as " CHARGE_OFF, '' which does not accurately reflect my payment history and the status of this account. 
2. Payment History : The reported payment history shows multiple late payments ( 30, 60, 90, and 120 days past due ) that are incorrect. I have made payments in accordance with the agreed terms and have documentation to support this. 
XXXX. Reported Balance : The reported balance of {$21000.00} does not reflect the payments I have made, and I dispute this amount as well. 

# # # FCRA Violations : These inaccuracies are in direct violation of the following provisions of the FCRA : - Section 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The inaccuracies in my file indicate that this requirement has not been met.

- Section 1681i : This section grants consumers the right to dispute information in their credit reports and requires bureaus to conduct a reasonable investigation of those disputes. Given the inaccuracies in my report, I expect a thorough review and rectification.

- Section 1681s-2 ( a ) : This section outlines the responsibilities of furnishers of information to provide accurate information. XXXX XXXX has failed to do so, as reflected in your reports. 



# # # Address Removal Request : Additionally, I request the removal of my previous address : I require written confirmation that these inaccuracies and outdated addresses have been removed from my credit report. Should you fail to comply with these demands, I will pursue all remedies available to me under the FCRA, including, but not limited to, filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: MA

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: AZ

Complaint narrative:
My correct Name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX There should be no other name or address on my credit report besides the Stated above. Any other name or address on my credit report is either old, Incorrect, fraud or identity theft.

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 2024-11-12 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: IN

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year> I requested XXXX, Transunion and XXXX to investigate the XXXX XXXX XXXX account on my credit report for innacuracies as well as the XXXX XXXX and the XXXX XXXX accounts for innacurracies. These accounts are all reporting innacurate information and need to be corrected/ removed. I requested proof of the late payment from the creditor to validate the items. I have not received response from any of the bureaus. XXXX requesting this innacurate item to be removed 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 non-monetary relief
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
On XX/XX/year> I requested XXXX, XXXX and Experian to investigate the XXXX XXXX XXXX account on my credit report for innacuracies as well as the XXXX XXXX and the XXXX XXXX accounts for innacurracies. These accounts are all reporting innacurate information and need to be corrected/ removed. I requested proof of the late payment from the creditor to validate the items. I have not received response from any of the bureaus. XXXX requesting this innacurate item to be removed 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 2024-11-12 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: VA

Complaint narrative:
Under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account was charged off by XXXX XXXX after my vehicle was totaled ( XXXX did not cover my full car payments ). I made payments every month up until XX/XX/XXXX and I was told by XXXX XXXX that my account was charged off on XX/XX/XXXX. I was contacted by a XXXX XXXX representative at the end of XXXX to make a full payment by XX/XX/XXXX for the account to be fully closed. I was never notified of a charge off being put into my account for any reason during that conversation nor on did I receive any mail regarding a charge off on XX/XX/XXXX. The charge-off was actually reported to XXXX, Transunion, and XXXX on XX/XX/XXXX. On XX/XX/XXXX, I made a full payment on the account. Now they are reporting it to my credit report as Paid Charge off. This is a violation of my consumer right as I was never notified of any charge off going into my credit report. I paid every month as instructed by the XXXX XXXX XXXX representative that was in charge of my account. Please remove this charge off off of my credit report it is a violation of my of the Fair Credit Reporting Act rights.

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 2024-11-12 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: GA

Complaint narrative:
My account was charged off by XXXX XXXX after my vehicle was totaled ( XXXX did not cover my full car payments ). I made payments every month up until XX/XX/XXXX and I was told by XXXX XXXX that my account was charged off on XX/XX/XXXX. I was contacted by a XXXX XXXX representative at the end of XXXX to make a full payment by XX/XX/XXXX for the account to be fully closed. I was never notified of a charge off being put into my account for any reason during that conversation nor on did I receive any mail regarding a charge off on XX/XX/XXXX. The charge-off was actually reported to XXXX, XXXX, and Equifax on XX/XX/XXXX. On XX/XX/XXXX, I made a full payment on the account. Now they are reporting it to my credit report as Paid Charge off. This is a violation of my consumer right as I was never notified of any charge off going into my credit report. I paid every month as instructed by the XXXX XXXX XXXX representative that was in charge of my account. Please remove this charge off off of my credit report it is a violation of my of the Fair Credit Reporting Act rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
My account was charged off by XXXX XXXX after my vehicle was totaled ( XXXX did not cover my full car payments ). I made payments every month up until XX/XX/XXXX and I was told by XXXX XXXX that my account was charged off on XX/XX/XXXX. I was contacted by a XXXX XXXX representative at the end of XXXX to make a full payment by XX/XX/XXXX for the account to be fully closed. I was never notified of a charge off being put into my account for any reason during that conversation nor on did I receive any mail regarding a charge off on XX/XX/XXXX. The charge-off was actually reported to Experian, XXXX, and XXXX on XX/XX/XXXX. On XX/XX/XXXX, I made a full payment on the account. Now they are reporting it to my credit report as Paid Charge off. This is a violation of my consumer right as I was never notified of any charge off going into my credit report. I paid every month as instructed by the XXXX XXXX XXXX representative that was in charge of my account. Please remove this charge off off of my credit report it is a violation of my of the Fair Credit Reporting Act rights.

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 2024-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I dont believe the debt thats reported on my credit report is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
In XX/XX/year> money, {$3500.00}, was taken out of my escrow account and paid to someone else 's homeowners ' policy. I did not realize it until my mortgage payment went up due to an escrow shortage. I have made many attempts to have this corrected and my escrow refunded, and I am being told I have to wait until the homeowner who's policy was paid reimburses his insurance company and then they reimburse Mr Cooper who will then reimburse my escrow. I feel this was their mistake and my escrow should be immediately reimbursed, and a new escrow analysis should be done to get the proper payment. Waiting for reimbursement can take months. I feel it is their mistake and I am being punished for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: OH

Complaint narrative:
XXXX, unauthorized credit application from XXXX XXXX XXXX, unauthorized credit application from XXXX XXXX Possible social security breach

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 2024-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The XXXX XXXX credit card was opened some where in XX/XX/year>. The card is serviced by comenityXXXX which is part of the Bread Financial. The statement & credit card was not received and late fees were charged in XXXX XXXX spoke to customer service and I was told that they will remove the late fee charge. I paid the balance on the account ( for product purchased ) without the late fees. The customer service lied on XX/XX/year> that they will remove the fees, they actually did not remove the fees. Now I am charged the late fees for the balance {$0.00} as they kept the late fees in the account. On top of it they started charging the late fees on top of the late fee which was not suppose to be there in the account. In such tough times for consumers, i can see who such companies are using predatory lending services to charge fees. 

I have called them again today and i was told they will remove the charge from my account after speaking to three different support level representatives. Previous 2 representatives said the company can not remove the charges BUT they can accept the payment! False information is given to the consumers by these representatives. I kept on asking to speak to their boss so someone can say the truth. FINALLY, the supervisor named XXXX ( employee ID XXXX ) said he will remove the charges and should reflect in 3-4 business days. I want to document this as I had spent several hours with follow up with them. I closed by account with them as I don't like to deal with companies that are trying to trick their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-11-12 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 sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-11-12 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: TX

Complaint narrative:
ON XX/XX/year> I SUBMITTED PROOF THAT " XXXX '' WAS AN OPENED ACCOUNT BEING REPORTED WITHOUT MY PERMISSION. THIS IS A VIOLATION OF MY CONSUMER RIGHTS UNDER 15 USC 1681. THE ACCOUNTS WERE DELETED BUT THEN REINSERTED AFTER AN INVESTIGATION. I WASNT GIVEN ANYTHING TO REFUTE MY CLAIM .THEY ARE IN WILLFUL VIOLATION AS THIS IS NOT AN ACCOUNT I AUTHORIZED OR GAVE PERMISSION FOR AND WILL PURSUE LITIGATION FOR WILLFUL NON COMPLIANCE AND AIDING IN IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$89000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I will have sufficient funds in my account and then I will have a bunch of transactions pending and then a week or two later I will be have negative funds. Its not fair when we know we have money and then boom its gone. It would take the money out of my account and still say pending charge like what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
With my XX/XX/year> statement, I should have received a {$100.00} credit on my statement for satisfactory completing their promotion on gas purchases and XXXX points added to my account. I did not receive the statement credit and only received XXXX points. 

I have contacted Marcus multiple times about the problem and opened multiple complaints with them. Each time I call they act like there is no previous history of this issue being reported or known. Every call they have finally acknowledged this issue but offer no resolution time and almost a year later, this situation remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: IN

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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