vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX  XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$790.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MD

Complaint narrative:
Hello I been with navy federal for more than 5 years. I have a checking account and a savings account. I decided to enroll in Navy federals XXXX XXXX. After COVID I realized I paid over {$400.00} in overdraft fees in less than one year. I asked a representative to look in to my account and they basically told me this was all my well being. The agent seem frustrated with my questions. So I decided to turn off oops. I asked would it be a refund the call disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-11 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 request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-11 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: CT

Complaint narrative:
Please update account history XXXX  XXXX  and XXXX XXXX accounts

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 2024-12-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I need your support to address the inaccurate account showing on my credit report. This situation has affected my reputation as a customer, and I am requesting your help to remove these false and harmful accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6400.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6500.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$14000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$810.00} Account Name XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$470.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$740.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Marlette Funding, LLC
State: OR

Complaint narrative:
they sued me, the XXXX XXXX XXXX XXXX  XXXX XXXX.the debit was handed over to XXXX XXXX XXXX XXXX also listing XXXX XXXX XXXX. The original invoice with the charges was from Best Egg co. an electronics store {$2000.00} on XXXX XXXX  saying i made one payment of {$77.00}. none of this was from me I have no recollection. 
They sued me i recieved papers in the mail about it and looking it over I was saying this is not me. I did not have enough to hire a lawyer, I did not apear in court the comany XXXX XXXX XXXX with its lawyers XXXX XXXX XXXX from XXXX Utah won judgement over me. 
Now they are trying to garnish my wages, sending papers to my previous work place. I am a XXXX  man of XXXX on limited income, my old company marked that i no longer worked there. This is where I am at right now. 

* I have also recearched XXXX XXXX XXXX, they have done the same to others in my state, there was a news report from a lady going through the exact same thing as me and for about the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I borrowed {$3600.00} to pay for XXXX  XXXX and I paid {$100.00} a month for 12 months then they started charging me interest and saying I owe {$4000.00} after giving them {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On or around XX/XX/XXXX, a previous landlord contracted National Credit Systems to collect an illegitimate debt. 

At that time, I requested that National Credit Systems validate the debt, specifically asking for documentation showing that I provided insufficient notice to vacate and that the landlord complied with Florida Statute 83.575 ( 2 ) by providing the proper notice required to charge liquidated damages. Despite my request, National Credit Systems failed to provide such documentation. Instead, they validated the debt and reported the collections account to the credit bureaus.

Over the past four years, I have repeatedly requested debt validation and supporting documentation from National Credit Systems. Each time, they failed to comply, resulting in ongoing monetary damages. 

On or around XX/XX/XXXX, I once again requested debt validation. National Credit Systems did not provide any supporting documentation. Instead, I was informed that the burden of proof was on me to show that I had provided sufficient notice to vacate, and that my previous landlord was not required to adhere to the notice requirements outlined in Florida Statute 83.575 ( 2 ). This is contrary to the terms explicitly stated in my lease agreement. 

On XX/XX/XXXX, National Credit Systems informed me that they would no longer attempt to collect the debt and would be closing the account. However, they still claimed the debt was valid, despite clear evidence that it was not.

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

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$710.00} XXXX  XXXX XX/XX/XXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$2900.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX  ( Original Creditor : XXXX XXXX  ) XX/XX/XXXX {$4000.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$850.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$4200.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXXXX/XX/XXXX {$5300.00} XXXX XXXX XXXXXXXX {$560.00} XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3800.00} Late Payment XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Father was looking for a new vehicle potentially. I was his guide & mediator to ensure nothing went wrong during the process or improperly understood. The dealership ( XXXX XXXX XXXX XXXX proceeded to run a credit inquiry on my father, but also me. I did not consent to a credit inquiry of any sort. I told them bluntly that they ran my credit illegally, & they acknowledged the issue but did not attempt to fix it at all. They told me it can be disputed & removed instead of fixing the error from their end, since they caused the issue in the first place. It's been an extremely lengthy and tedious process trying to correct the dealership 's wronging, & the dealership stopped responding to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Father was looking for a new vehicle potentially. I was his guide & mediator to ensure nothing went wrong during the process or improperly understood. The dealership ( XXXX XXXX XXXX XXXX proceeded to run a credit inquiry on my father, but also me. I did not consent to a credit inquiry of any sort. I told them bluntly that they ran my credit illegally, & they acknowledged the issue but did not attempt to fix it at all. They told me it can be disputed & removed instead of fixing the error from their end, since they caused the issue in the first place. It's been an extremely lengthy and tedious process trying to correct the dealership 's wronging, & the dealership stopped responding to my inquiries.

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

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against both Equifax and XXXX regarding their inability to resolve an issue that has severely impacted my ability to access my credit report. This unresolved matter is causing significant delays in the process of purchasing a home, as my lender is unable to access the necessary credit information. Despite my extensive efforts over the past seven months, Equifax and XXXX has failed to address my concerns or provide a satisfactory resolution. 


I have contacted Equifax approximately 27 times and XXXX about 10 times to resolve this issue. Each interaction has been met with inadequate customer service, leaving me without a resolution. 

As requested by Equifax and XXXX, I have submitted the following verification documents on three separate occasions via certified mail : Copy of my Social Security card Copy of my passport Copy of my drivers license Copy of my passport card All documents were sent via certified mail to ensure receipt by Equifax and XXXX. Despite fulfilling all documentation requirements, I have received no confirmation or resolution from the company. 


Over the past seven months, I have repeatedly submitted the required documents and reached out to Equifax and XXXX for assistance. 

During this time, I have not been granted access to my credit report, and Equifax, XXXX has not communicated any updates or reasons for the delay. 


I am currently in the process of purchasing a home. However, my lender is unable to access my credit report, which has stalled the approval process and jeopardized my ability to secure financing. 


The lack of resolution from Equifax and XXXX has caused significant XXXX  and frustration. The repeated failure to address my concerns has left me feeling helpless and concerned about potential repercussions on my financial goals.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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 BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6400.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6500.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX FIN # XXXX XX/XX/XXXX - Balance : {$14000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$470.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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