vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account XXXX : XXXX Update to Open/Never late 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
Kindly delete all unapproved hard inquiries from my credit report in line with 15 USC 16c-2 ; they are negatively impacting my 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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services
State: MS

Complaint narrative:
THEY ARE TRYING TO COLLECT A PAID DEBT not OWED TO THEM. I had a bill at my XXXX XXXX XXXX office. That bill was paid off in full. North American Credit Services is now trying to collect that " debt '' which isn't a debt. They also want me to provide proof of debt paid. It is not my job to provide these people with anything. I don't have an account to settle with NACS. I've only dealt with my doctor 's office and will continue to only pay them for services rendered. I don't have to provide you people with any proof of debt paid. I have receipts for the courts that I will present. Do your homework NACS. Calling debt collection and acknowledging anything is automatically taking ownership of that debt. That's why you never talk to a collection agency you don't plan on paying. I am not paying a collection agency for a bill that was paid off. I got dates and amounts plus bank statements. My bill was paid in full!!! I don't work for NACS so why would I send you my doctor bill receipts? YOU get it from the doctor 's office. I am NOT settling an account with NACS that I don't have a debt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: PA

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 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 2024-10-25 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: PA

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 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 2024-10-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian showed XXXX reports from XXXX XXXX XXXX relating to alleged debts owing to XXXX XXXX. I disputed these accounts in XX/XX/year> and they were removed. Now they are back once again, the same entries. 
One account was paid and as to the second, I requested details which were not given. These are also alleged as medical debts and should not appear in any event.

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 2024-10-25 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I WAS RECENTLY RELEASED FROM PRISON I CHECKED MY CREDIT REPORT AND FOUND XXXX ACCOUNTS THAT I DID NOT OPEN XXXX FOR XXXX XXXX XXXX XXXX XX/XX/year> FOR XXXX AND XXXX XXXX XXXX FOR XXXX I CALLED BOTH COMPANYS AND WAS TOLD THAT THE DEBT WAS MINE I TOLD THEM THAT THE ACCOUNTS DID NOT BELONG TO ME AND THAT I WANTED THEM REMOVED AND THEY TOLD ME THAT I HAD TO PAY DEBT OFF FIRST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: AL

Complaint narrative:
As per 15 USC 16c-2, please eliminate any unauthorized hard inquiries from my credit report, as I did not consent to them and they are harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This has cause me great XXXX, stress, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to formally express my frustration and disappointment with American Express regarding my recent request for payment relief and the lack of transparency in our interactions. Due to recent health challenges and the resulting loss of income, I reached out to discuss options for reducing my minimum payment obligations temporarily, hoping to prevent further financial strain. Unfortunately, the companys response has been both inflexible and unhelpful, leaving me feeling unsupported and misled. 

On XX/XX/year>, I completed an online relief form, which proposed a payment plan requiring {$200.00} per month for 48 months. Given my financial situation, I followed up with customer service to discuss a more manageable solution. In these conversations, I was told that the lowest payment option available was {$220.00} per month for 48 monthsan amount that is simply unfeasible for me under my current circumstances. 

Despite my offer to pay the maximum I could affordjust {$50.00} less than the proposed amountthe company showed no willingness to work with me. This limited payment adjustment sets me up for inevitable failure, as the strain of this requirement will likely result in late fees, higher interest, and an increasing balance. This approach appears counterproductive and designed to favor the company 's financial interests rather than provide genuine relief to customers. 

Additionally, I already have serious reservations about the companys transparency and honesty. When I sought clarification on my obligations and asked specific questions regarding information I recently received from the Federal Reserve, I was met with vague responses, and my requests for full disclosure went unanswered. The company assured me that there was no malicious or illegal activity involved, but the lack of clear, direct responses raises concerns about the accuracy of the information being provided. 

In light of the economic strain, high inflation, and my current financial hardships, I am deeply concerned that American Express is not operating in a fair, ethical, or honest manner. The company 's refusal to work with customers facing genuine hardship and the lack of transparency regarding questions about Federal Reserve-related information are both deeply troubling. 

I respectfully urge American Express to reconsider its approach to hardship relief and to engage with customers in an honest, transparent, and compassionate way. I hope that you will take this complaint seriously and prioritize actions that support, rather than exploit, customers in need. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: Experian Information Solutions Inc.
State: AL

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 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 2024-10-25 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: WI

Complaint narrative:
It was so unsettling to find unexpected errors on my credit report today. I had no idea why this was happening, especially since I regularly monitor my report, yet today I found discrepancies that wouldnt go away even after refreshing the page. I would appreciate a thorough review of my submitted documents to ensure this doesnt happen again and to restore my confidence.

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 2024-10-25 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: WI

Complaint narrative:
This afternoon, I was stunned to discover errors on my credit report, and I dont understand how they got there. I tried refreshing my browser to see if it might correct itself, but nothing changed. This has left me feeling unsettled, and Im asking for a full review of my documents to finally put this behind me and not have to worry about this 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
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-25 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. As a result, I am requesting the blocking and permanent deletion of certain accounts and inquiries on my credit report as permitted by the Fair Credit Reporting Act ( FCRA ) under 605 ( b ) and 15 USC 1681c-2 ( a ). 
Please find below the details of the accounts and inquiries that I am disputing as fraudulent : Account XXXX XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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:
I am writing to formally notify you that I am a victim of identity theft. As a result, I am requesting the blocking and permanent deletion of certain accounts and inquiries on my credit report as permitted by the Fair Credit Reporting Act ( FCRA ) under 605 ( b ) and 15 USC 1681c-2 ( a ). 
Please find below the details of the accounts and inquiries that I am disputing as fraudulent : Account XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$00.00} 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 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
This is the emailed sent to Navy Federal Credit Union on XX/XX/XXXX. 

Hi Underwriting at Navy Federal Credit Union, WE ARE APPALLED by the request for the additional documents requested today ( 3 business days before our scheduled close date )! The documents you have requested today have been provided to you on XX/XX/XXXX. 

We will be filing a complaint to the VA and providing them with all communications regarding this process. Because of either lack of resources from Navy Federal Credit Union or zero care for Veterans rights, there has been irreparable harm to the both Veterans, XXXX XXXX and XXXX XXXX ( Seller and Buyer ).

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 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
these account not is mine, i have only one account with self is open. i need removed this accoun from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
these account not is mine, i have only one account with self is open. i need removed this accoun from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
these account not is mine, i have only one account with XXXX  is open. i need removed this accoun from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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