vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft. The following unauthorized items have appeared on my credit report due to this fraudulent activity : Navy Federal Credit Union - {$15000.00} XXXX - {$840.00} XXXX XXXX - {$500.00} XXXX XXXX - {$490.00} The fraudulent account details and associated personal information are unrelated to my legitimate financial history and have been placed on my report without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I am requesting that you block this information from my credit report within four business days. This section mandates that credit reporting agencies must block information resulting from identity theft upon receipt of appropriate documentation. 

Please confirm in writing that these accounts have been removed from my report and provide documentation of the actions taken. I appreciate your timely attention to this matter to ensure the integrity of my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: LJ Ross Associates
State: TX

Complaint narrative:
I CHALLEGED THE ACCURACY OF LJ ROSS ASSOCIATES BEING REPORTED ON MY CREDIT REPORT. THE ORIGINAL CREDITOR IS BASED IN OHIO. i AM A XXXX  RESIDENT & I AM A VITCIM OF IDENTIY THEFT. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
I am writing 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 ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
I am writing 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 ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

The fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed this fraudulent account 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 2024-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
On XX/XX/year>, I signed up for XXXX services through a finance agreement with Healthcare Finance Direct ( HFD ), unaware that XXXX had filed for XXXX  XXXX bankruptcy on XX/XX/year>. The company and its employees never informed me of the bankruptcy. After realizing that XXXX could not fulfill the services due to their bankruptcy and subsequent closure, I contacted them but received no response beyond a generic FAQ page. 

To resolve this financially, I paid off the HFD loan in full using my credit card. However, when I disputed this charge with my credit card company due to XXXX inability to provide services, the credit card company issued a refund. After this, HFD charged me again for the full amount of the loan, despite the ongoing dispute. 

To date, I have reached out to both HFD and my credit card company to resolve this matter, seeking a refund and cancellation of the loan for services that were never rendered. HFD also keeps charging me random late fees, even though they have charged my credit card monthly without permission. I have asked for a refund on the late fees, and they refuse to refund me saying they're not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Experian Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXX XXXX  XXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/year> ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

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 2024-11-10 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: OH

Complaint narrative:
1. XXXX XXXX account reported Equifax. Balance claim of {$500.00}. Not accurate. Credit limit of {$400.00}. I never made huge purchases such as this. Maybe a small purchase awhile back. 8 years and 8 months on my report. Not sure why Equifax refused to remove but way too old by statue of limitations to be there anyways. 
2. XXXX XXXX XXXX. Also too old. 8 years 6 months. {$830.00} balance. {$500.00} credit limit. Not proven valid. Too old. Equifax will not remove. Disputed both recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX account is incorrectly listed on my credit report, showing an outstanding balance of {$5700.00}. I have no association with this company and do not owe this debt. Despite my attempts to resolve this directly with them, they were unwilling to assist. Additionally, I did not open this account on XX/XX/year>, as it appears on my XXXX credit report. 

According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. ), any account not attributable to an individual must be reviewed and removed. I contacted them 90 days ago to address this issue, yet the account has not been removed. This erroneous account has impacted my credit score, increased my interest rates, and restricted my ability to obtain loans for approximately two years. The credit report listing lacks contact information, does not specify any goods or services related to the claimed debt, and does not show any missed payments on my part. Given my lack of knowledge about this company and the fact that I am being charged for a debt I do not owe, I classify this account as fraudulent.

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 2024-11-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute : Inaccurate Reporting of Charged-Off Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the below accounts listed on my credit profile : XXXX. XXXX XXXX Acct #. XXXX showing {$16.00} past due/charged off XXXX. XXXX XXXX Acct # XXXX showing {$82.00} past due/charged off XXXX. XXXX XXXX Acct # XXXX showing {$490.00} past due/charged off It has come to my attention that Experian is failing to maintain the accuracy of information regarding the XXXX account ( s ) that is reported as charged off while simultaneously showing a past due balance. 

This conflicting information is not only misleading but also constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). A charged-off account should not be reported as having an outstanding balance ; this is completely unacceptable and is damaging my credit score and financial standing. 

I demand immediate investigation and correction of this reporting error. Specifically, I request the following : 1. Verification of the charge-off status of the account. 
2. The immediate removal of any past due balance reported on this charged-off account. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 


I expect a prompt resolution to this issue and an update on the actions taken to rectify this harmful error in my credit report. Your failure to ensure accurate reporting is entirely unacceptable and will not be tolerated. 

Sincerely, 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 explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We sold our house on XX/XX/year>. We then attempted to cancel XXXX 's automatic payment, but Freedom Mortgage 's system does not allow you to cancel automatic payments less than 3 days prior. I emailed them, but they again said it was too late to cancel. They charged us {$1200.00} on XX/XX/year>, even though we no longer owned the house and the buyer had assumed our XXXX Loan. 
I called Freedom Mortgage on XX/XX/year> and spoke with their Escalations Department. They acknowledged their mistake, and said I would be reimbursed {$1200.00} within 7 days. They failed to do so. I called again on XX/XX/year>, and they said they were still working on it. I emailed them on XX/XX/year>. They said they were still working on it. I emailed them again on XX/XX/year>, and they have yet to respond.

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 2024-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA 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 2024-11-10 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: NC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My name is XXXX XXXX and my account with Exeter Finance LLC my account number was XXXX and was opened on XX/XX/XXXX which is over 7 years ago and it was charged off if XX/XX/XXXX. I am requesting this company provided me with a 1090C documents and if they can not I requested they remove this item from my credit report seeing how it is it has been over seven years since the account has been open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi inconsistently continues to change dates of delinquencies. I have requested statements from them showing the accuracy of information and have yet to receive anything from them. They only say that the information has been validated with no physical proof. It leads me to believe that both accounts are being reported inaccurately. The constant updates they make continue to drop 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 2024-11-10 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: FL

Complaint narrative:
IN accordance with the fair credit reporting act account # XXXX has violated my rights 15 U.S.C1681 Section 602 A. States 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

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 2024-11-10 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: FL

Complaint narrative:
IN accordance with the fair credit reporting act account # XXXX has violated my rights 15 U.S.C1681 Section 602 A. States 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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