vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: OK

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 2025-01-08 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: OK

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 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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I contacted Navy Federal Bank who I have banked with for a while and made them aware of numerous withdrawals from XXXX and duplicate orders send to my home. I also send them the information they delayed on assisting me on the dispute I filed and I have lost out on my money! This is ridiculous banks help who they wan na help when they want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute and address the ongoing issue of an erroneous debt appearing on my consumer report, which I believe is a result of identity theft. Despite my efforts to resolve this matter, the debt remains on my report, and this has caused significant stress and harm to my livelihood and reputation. 

I have followed the proper procedures to dispute this debt and provided the credit reporting agencies ( CRAs ) with comprehensive documentation, including : An FTC Identity Theft Report. 
A signed 605B letter explaining my situation.

A copy of my government-issued ID.

A recent utility bill to verify my address.

A copy of my Social Security card. 
I sent these documents via certified mail in two separate submissions to ensure their receipt. Despite this, the CRAs have not removed the erroneous debt from my report. Furthermore, they previously responded to my dispute by stating that the debt was " verified, '' yet I do not understand how they could have verified an account that is not mine. I was never a co-applicant on this account and have not authorized anyone to use my personal information in this capacity. 

As a result of this unresolved error, I have faced : Denial of housing opportunities, including being rejected for an apartment application. 
Significant stress and harm to my quality of life. 
Damage to my reputation due to the presence of this inaccurate information. 
This situation has become untenable, and I am requesting immediate action to remove this erroneous debt from my consumer report. I have provided all required documentation to prove that this debt is not mine and that I am a victim of identity theft. I urge the credit reporting agencies to comply with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this error promptly.

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 2025-01-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Spoke to XXXX at XXXX XXXX on XX/XX/XXXX at XXXX pm est. I reached out regarding a medical collection step on my credit report that I have received no documentation of. She confirmed that the account was sent to my previous address in XX/XX/XXXX however, I moved homes in XX/XX/XXXX I provided with my new address and requested an itemized statement, verifying what this was for And she confirmed that they would mail out. As of XX/XX/XXXX no new statement has arrived to the new address. The collections is still reporting on my credit and drastically damaging my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, commenity bank ( XXXX XXXX credit card ) reported by account past due after I had made full payment towards my balance. Dropping my score over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
These 4 accounts that are reporting negatively on my EXPERIAN credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
The landholder cancelled my gap policy after I total loss my vehicle in XX/XX/year> and put it as an repossession and when my insurance company tried to contact them it was told I didnt have the gap which is breaching the contract because I had gap insurance. Then its on my credit which is lawfully wrong and reporting inaccurate information and have yet to send the original file or documents signed to know that my gap insurance was cancelled. Also my account was breached in the data breach numerous of times and Ive trying to learn how do my data and information get breached. Im using USC 15 1681 rights have been violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Name : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Company : Chime Product/Service : Chime Account ( Money Transfer ) Complaint Details 1. Summary of the Issue : I transferred funds from my Chime account to an external recipient on XX/XX/year>, but the recipient has not received the money. Chime states that the transfer was cleared, but there is no trace of the funds on the other end. I have verified that the correct account details were provided, and the transfer was completed from my side. 

2. Timeline of Events : XX/XX/year> : Initiated transfer from my Chime account to [ Recipient 's Name/Account ]. 

XX/XX/year> : Chime confirmed the funds were cleared. 

XX/XX/year> : I contacted the recipient, and they have not received the funds. 

XX/XX/year> : I contacted Chime customer service, but no solution has been provided. They continue to claim that the transfer was completed without addressing the fact that the funds have not been received. 

3. Attempts to Resolve the Issue : I have contacted Chime customer service multiple times, providing all necessary details, but they have not resolved the issue. I have also requested a trace of the transaction or further investigation, but no response or action has been taken to date. 

4. Desired Outcome : I would like Chime to investigate the issue, provide a trace of the transaction, and ensure that the funds are either delivered to the recipient or refunded to my account. I expect prompt action and clear communication throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
Attached to this complaint related to previous CFPB complaint number XXXX is a copy of the letter my Attorney sent to Western Union . My money orders were stolen and clearly altered but Western Union willfully ignored that fact and did not issue a fraud alert associated with my two altered money orders! 
Western Union must respond to my Attorneys letter. As a consumer, I am not at fault and should not have to bear the financial burden of the stolen mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-01-08 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: GA

Complaint narrative:
Its outrageous that my credit score has been negatively affected by accounts I didnt open. These errors are seriously compromising my financial well-being, and theyve already cost me valuable opportunities.

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 2025-01-08 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: KS

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX [ Debt Collector 's Name ] [ Debt Collector 's Company Name ] [ Debt Collector 's Address ] [ City, State, ZIP Code ] Subject : Request for Debt Validation Dear [ Debt Collector 's Name ], I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is owed ; A copy of any agreement or contract that authorizes you to collect on the debt, including the original creditor 's name and address ; A complete and itemized breakdown of the debt, including interest, fees, and charges ; A statement indicating whether this debt has been assigned to you for collection, or if you are acting as an intermediary for a third party ; Any judgment or court order ( if applicable ) related to this debt. 
In addition, please cease any collection activities until this debt has been validated. I request that all future communications regarding this matter be sent to me in writing. 

If you are unable to provide proper validation, please acknowledge that you will stop all collection efforts, remove any related entries from my credit report, and cease reporting the debt to credit bureaus. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. If this debt is found to be invalid, I expect it to be removed from my credit record immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days, as stipulated by the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-08 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
pentagon federal credit union charged off my loan and has not sent me a 1099-c since they took a write off. they instead sold the account to another company and reported it on my credit report which is 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit file with Equifax and XXXX were subject to the data breach that had been effected. I have reached out to Equifax to remove any and all invalid reports to the file. This was done on or around XXXX, to XX/XX/XXXX, when I returned to follow up the online information was not accessible for my use. I was able to proceed by putting in outdated information to gain access to my file, which has loan amounts that are not factual. 

XXXX customer service disconnected the call in the process of deletion of outdated information, the follow up conversation with reps informed me incorrect listing would be removed. Fast forward no removal of invalid, incorrect information have been removed as of XX/XX/XXXX from Equifax or XXXX files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: AL

Complaint narrative:
I am writing to formally complain about Experian inaccurately reporting credit inquiries on my credit file that do not belong to me. Specifically, the following unauthorized inquiries are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) These inquiries are not associated with any credit application or account activity initiated by me. Their inclusion is negatively impacting my credit profile and could harm my financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681i ). The presence of these incorrect inquiries violates this law and is causing me undue harm. 

I request that these unauthorized inquiries be investigated and promptly removed from my credit report. Please provide confirmation once the corrections have been made and advise on any further steps required on my part. 

Thank you for your immediate attention to this matter.

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 2025-01-08 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: AL

Complaint narrative:
I am writing to formally complain about Experian inaccurately reporting credit inquiries on my credit file that do not belong to me. Specifically, the following unauthorized inquiries are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) These inquiries are not associated with any credit application or account activity initiated by me. Their inclusion is negatively impacting my credit profile and could harm my financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681i ). The presence of these incorrect inquiries violates this law and is causing me undue harm. 

I request that these unauthorized inquiries be investigated and promptly removed from my credit report. Please provide confirmation once the corrections have been made and advise on any further steps required on my part. 

Thank you for your immediate attention to this matter.

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 2025-01-08 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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