vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from 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

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 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XX/XX/year> gave reason for Denial ; YOU CAUSE NAVY FEDERAL A LOSS NOTICE : Title 15 USC 1611 your inaccurate reporting and continual IN and OUT MY credit report destroying my credit scores. Why so many inquiries? You XXXX so many LATE PAYMENT at the same time claiming charge off with a balance TALK ABOUT LOSS WHAT ABOUT WHAT YOU DOING TO ME?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MD

Complaint narrative:
XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX Date- XX/XX/XXXX - XXXX filed a complaint Nothing has been removed XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX  Inquiry Date- XXXX - i filed a complaint Nothing has been removed XXXX XXXX  XXXX XXXX XXXX Date- XXXX i filed a complaint Nothing has been removed

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 2024-11-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX Inquiry Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX  Inquiry Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX Inquiry Date- XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXXXXXX XXXX XXXX Date- XXXX i filed a complaint Nothing has been removed

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

Complaint narrative:
XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX Date- XX/XX/XXXX - XXXX filed a complaint Nothing has been removed XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX  Inquiry Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX Inquiry Date- XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX XXXX XXXX Date- XXXX i filed a complaint Nothing has been removed

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 or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BELMONT FINANCE LLC
State: NC

Complaint narrative:
belmont financial was asked to come and get the item with in the time alloted. They drafted monie from the account for several months before I noticed and did not come to get the vacuum that would have canceled the a never came to get it .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. Belmont Finance LLC Accnt # XXXX ... XXXX XXXX XXXX XXXX XXXX accnt # XXXX has violated my rights. 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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus have reported incorrect information on my credit report, specifically my name and address. Despite my legal name being XXXX XXXX and my correct address being XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, they continue to display incorrect variations. I have made multiple attempts to resolve this issue, but the inaccuracies remain. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer information on credit reports. Specifically, Section 1681e ( b ) of the FCRA mandates that credit bureaus adopt reasonable procedures to guarantee accuracy. Case law supports this right to accurate reporting, such as in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), where the court found that credit bureaus have a duty to take reasonable steps to verify disputed information.

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: IL

Complaint narrative:
The credit bureaus have reported incorrect information on my credit report, specifically my name and address. Despite my legal name being XXXX XXXX and my correct address being XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, they continue to display incorrect variations. I have made multiple attempts to resolve this issue, but the inaccuracies remain. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer information on credit reports. Specifically, Section 1681e ( b ) of the FCRA mandates that credit bureaus adopt reasonable procedures to guarantee accuracy. Case law supports this right to accurate reporting, such as in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), where the court found that credit bureaus have a duty to take reasonable steps to verify disputed information.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not recognize these credit inquiries and the bureaus did not removed as I asked.i am providing the identity theft report and l will attach to this. and please removed the inaccurate that is not mine.

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 2024-11-11 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: FL

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW SECTION 605B ALL FRAUD MUST BE REMOVED. FTC REPORT IS ATTACHED SHOWING THE FRAUD ****PLEASE READ FTC REPORT *****

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

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXame : XXXX XXXX XXXX Known As : XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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

Complaint narrative:
Ive reviewed my credit report and noticed several accounts listed that are currently involved in pending litigation. Since these accounts are still under legal review, their inclusion on my report is having an unfair negative impact on my credit score.

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 2024-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint as a victim of identity theft related to a data breach involving Equifax. Due to this breach, fraudulent accounts have been opened in my name without my authorization. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax block and delete these accounts from my credit report.

I kindly request that you block this information from my credit report within four business days, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act. I am a victim of the Equifax data breach and would like for all listed accounts to be blocked and deleted company information from Equifax. 

Please delete the following accounts and inquiries : XXXX XXXX XXXX Account : XXXX XXXX XXXX {$5600.00} ( late payments ) XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$3800.00} XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$2600.00} XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX {$2400.00} XXXXXXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
this information is not the same them what XXXX  XXXX sold off to Portfolio Recovery Associate, LLC this is a violation of the Fair Debt Collection Practices Act 15u.s.c section XXXX XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - XXXX XXXX XXXX XXXXype - Detail : - Credit Card Revolving Bureau Code : - Individual Individual Account Account Status : - Closed Closed Monthly Payment : - - - Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$0.00} {$0.00} No. of Months ( terms ) : - Revolving Monthly ( due every month ) High Credit : - {$780.00} {$780.00} Credit Limit : - {$750.00} {$750.00} Past Due : - {$0.00} - Payment Status : - Current Pays account as agreed Last Reported : - XX/XX/XXXX XX/XX/XXXX Comments : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Account closed at consumers request and dispute investigation completed, consumer disagrees. ( To be used for FCRA or FCBA disputes ) Date Last Active : - XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - XXXX XXXX Account Type - Detail : - Business Credit Card Revolving Bureau Code : - Individual Individual Account Account Status : - Closed Closed Monthly Payment : - - - Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - - {$0.00} No. of Months ( terms ) : - Revolving Monthly ( due every month ) High Credit : - {$600.00} {$600.00} Credit Limit : - {$500.00} {$500.00} Past Due : - - - Payment Status : - Paid satisfactorily Pays account as agreed Last Reported : - XX/XX/XXXX XX/XX/XXXX Comments : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Account closed at consumers request and dispute investigation completed, consumer disagrees. ( To be used for FCRA or FCBA disputes ) Date Last Active : - XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Violation by XXXX and XXXX Summary of Issue : I am filing this complaint regarding XXXX and XXXX contacting me regarding a private debt unification service without my consent. I never authorized any form of communication from them, nor have I discussed or initiated any form of debt consolidation or unification inquiry with this company. Despite this, they sent me an unsolicited email containing information about debt unification, which I consider a violation of my privacy and an intrusion into my financial affairs. 

Details of Complaint : XXXX. Unsolicited Contact : XXXX and XXXX reached out to me via email without prior consent, approval, or initiation on my part. 
XXXX. Privacy Concerns : The email contained information related to private debt unification services, which I did not inquire about. This unsolicited outreach raises concerns about how they obtained my information and whether my personal data is being shared or misused without my permission. 
XXXX. Lack of Prior Relationship : I have no prior relationship with XXXX and XXXX, nor have I ever provided consent to receive communication from them regarding debt-related services or any other financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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.
State: NJ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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

Complaint narrative:
Urgent Request for Immediate Correction of Inaccurate Reporting : Upon reviewing my consumer reports, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on accounts where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed a payment on the following accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claim of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports.

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.

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

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are inquiries on my report i do not recognize.

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 2024-11-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There are inquiries on my report i do not recognize.

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: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
my Suncoast credit union is reporting late payments which is not true and its really effecting my credit file

Company response to consumer: Closed with explanation