vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TEXAS XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Credit Report Information Dear XXXX XXXX I am writing to request an immediate update to my Equifax credit report. I have noticed that while my XXXX and XXXX credit reports are showing my complete and accurate credit information, my Equifax report is missing several critical pieces of data. 

To assist you in verifying my identity and updating my credit report, I have enclosed copies of the following documents : 1. My Social Security card 2. My driver 's license 3. Proof of address ( utility bill/bank statement, etc. ) It is essential that my Equifax credit report accurately reflects my credit history, as discrepancies can adversely affect my credit score and financial standing. I kindly ask that you review my file and update it as soon as possible to ensure consistency across all major credit reporting agencies. 

Please confirm receipt of this letter and the enclosed documents and inform me of the actions taken to correct my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
Please delete the late payment on Transunion for XXXX for XX/XX/year> I was never late as stating in the phone call email and no late payments on XXXX or XXXX. I have already talked to XXXX  of I have to file another lawsuit I will.

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report includes accounts I dont recognize or believe I authorized. Please remove these as fraudulent without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am reaching out for help again. Ally Auto has sent me a notice that they intent repossess my vehicle after XXXX the XXXX. I am HAVING A FINANCIAL HARSHIP. I am only working one job now ; I was working 3. I am not able to work 3 right now. Over and over, I have asked for help. I am at the very end of my loan and at this point I believe they just done care. Because I have been asking for help for over a year and a half, I have incurred Late fees because I have been denied help to catch up. I Paid XXXX $ on XX/XX/year>. Now as it stands, I owe, XXXX from XXXX which I can Pay on the XXXX When I Get Paid. Then I owe XXXX for XXXX, and then XXXX XXXX is Due on XX/XX/XXXX. Which should be the last payment, but it is not because I keep getting late fees. The late fees in total are XXXX. I work and I get paid every two weeks like everyone else, but I still have basic Mortgage and gas and electric like everyone else. So, once I pay XXXX $ and XXXX $ I get phone calls and messages like I have magically gotten some more money outside of my pay. If I had it right away, I would gladly pay it right away. As I said I am not working the other two jobs I was working. I am trying to catch up I just need some help and time, and I have another complaint that they haven't even responded to, and I haven't heard or received a email from anyone. But I am in financial Hardship. The earliest I can get some type of Payment in is XX/XX/XXXX if they put my check in early. But I am asking for help Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Someone has access to my information and put it all over the dark web according to Experian notifications. I have notifications from Experian telling me court records have been updatwd, personal information, addresses I haven't lived at for over 30 years, as well as inquiries I didn't do and now somehow they turned into duplicates. There is an ally loan on my XXXX I know nothing of now!!! I don't know what to do!! please help me out. I'm working hard on re-establishing my credit and this is set me back thank you for your help! This was brought upon after the XXXX of this month where I started getting endless notifications about dark web traffic my information was found on every search website ever as well as alternative lending and lending companies and all sorts of crazy stuff I'm not sure what to do I feel violated scared and don't know what I don't know where to go. This is exactly why I've been disputing things to begin with because I don't recognize anything or those charges

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 2024-11-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Tonight, I was shocked to find wrong accounts listed on my credit report without any reason. Im used to reviewing my report frequently, and this time, there were these strange discrepancies. Refreshing my browser didnt helpit wasnt just a temporary glitch. Im now asking for a careful check of my submitted documents to make sure I can feel secure about my credit again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: AR

Complaint narrative:
Hard inquiries were added to my report without my consent, against 15 USC 16c-2. Request immediate removal of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Checking account closed due to overdraft fees I never did

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting to my credit reports a debt that they claim is written off. They have not provided me the proper tax forms ( 1099-c ) in timely manner so I can file the charge off as income not have they my wet signature on any type of document authorizing them to publish my personal information ( the debt in question, my identifying information, etc ) to any third party ( i.e. the credit bureaus ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I requested authorization and original application with my signature and nothing was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MS

Complaint narrative:
I looked at my credit report and I have 13 authorized inquiries that was not authorized by me inquiries that do not have permissible purpose violation of the USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has been trying to collect a hospital bill from XXXX XXXX XXXX from me. This debt was reported to the credit agencies and ruined my credit. My credit score went down due to this. We disputed the debt with XXXX XXXX XXXX XXXX and the credit agencies. It was not removed from my credit record and still shows up. 

We requested a copy of the bill since I have never been a patient at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent a patient agreement to me. This agreement does not have my name or signature anywhere on it. The patient is clearly not me. I have never been a patient at the mentioned hospital nor have ever entered into any financial agreements with said hospital. 

I have told them and the credit reporting agencies that this wasn't me or my debt numerous times and they will not take off of my credit report and are still trying to collect this invalid debt. 

Reporting this information that they know to be inaccurate violates the Fair Credit Reporting Act and their actions are to the point of being abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute certain credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made without my authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

The unauthorized inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not provided consent for these inquiries, nor have I applied for credit with these creditors. Under the FCRA, only creditors who have a permissible purpose ( such as an application for credit or a background check for employment ) are authorized to pull my credit report. 

As you are required to maintain accurate information on my credit report, I request that these unauthorized inquiries be removed immediately. 

In addition, I would appreciate a written confirmation that you have investigated this matter and that the inaccurate entries have been corrected or removed. Please provide me with a copy of the updated credit report reflecting the corrections. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to investigate and respond to my dispute. If you are unable to verify that the inquiries were authorized, I request that they be permanently removed from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you need any additional information from me to complete your investigation.

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 2024-11-14 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: CA

Complaint narrative:
I am writing to formally dispute certain credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made without my authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

The unauthorized inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not provided consent for these inquiries, nor have I applied for credit with these creditors. Under the FCRA, only creditors who have a permissible purpose ( such as an application for credit or a background check for employment ) are authorized to pull my credit report. 

As you are required to maintain accurate information on my credit report, I request that these unauthorized inquiries be removed immediately. 

In addition, I would appreciate a written confirmation that you have investigated this matter and that the inaccurate entries have been corrected or removed. Please provide me with a copy of the updated credit report reflecting the corrections. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to investigate and respond to my dispute. If you are unable to verify that the inquiries were authorized, I request that they be permanently removed from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you need any additional information from me to complete your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AR

Complaint narrative:
Unauthorized credit inquiries are listed on my report, violating 15 USC 16c-2. Please remove these incorrect entries.

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 2024-11-14 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: NY

Complaint narrative:
I am writing in order to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act Section 605, which requires the removal or blocking of information resulting from identity theft.

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I am writing in order to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act Section 605, which requires the removal or blocking of information resulting from identity theft.

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

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 2024-11-14 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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