vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm contacting you to dispute the inclusion of this bankruptcy on my credit report. The situation is extremely worrying as I have documentation from the court explicitly stating that this bankruptcy should not be reflected in your records. Furthermore, the involvement of an unauthorized third party increases the ridiculousness of this scenario.

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 2024-03-26 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:
Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Collection account, Account Number : XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the charge-off on my credit report for the account with the number XXXX, as reported BY XXXX XXXX XXXX. I believe this ACCOUNT is in violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ). According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), creditors are required to report accurate and complete information to credit reporting agencies. In my case, I contend that the ACCOUNT reported by XXXX XXXX XXXX is inaccurate and incomplete. I kindly request that you investigate this matter promptly and provide me with documentation verifying the validity of the ACCOUNT. Specifically, I would like you to provide the following : 1. A complete account history and transaction log for account number XXXX. 2. Any documentation proving that the debt in question is valid and legally owed by me. 3. Evidence that all required notices and disclosures were provided in accordance with applicable laws and regulations. I am committed to resolving this matter promptly and am willing to cooperate fully to ensure its resolution. I believe that a fair and accurate representation of my credit history is vital for my financial well-being. Please acknowledge the receipt of this dispute letter within 30 days, as required by law, and inform me of your progress in investigating and rectifying this matter. Failure to comply with these legal obligations may result in further actiononmypart.

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 2024-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
I am filing a complaint against RS Clark and Associates for their role as XXXX XXXX XXXX agent in reporting an unverified debt, violating the Fair Credit Reporting Act ( FCRA ) concerning a dispute over unverified debt on my credit report. 

Details of the Complaint : - Credit Bureau ( s ) Involved : RS CLARK AND ASSOCIATES - Account in Dispute : Account Number : XXXX - Dispute Start Dates : XX/XX/XXXXXXXX XXXX XXXX and XX/XX/XXXX. 

Summary of Issue : Despite multiple attempts to dispute an inaccurately reported debt with the aforementioned credit bureau ( s ), the item remains on my credit report. My initial dispute was filed on XX/XX/XXXXXXXX and again on XX/XX/XXXXXXXX XXXX following the discovery of the debt item, which I believe is inaccurately reported or entirely unverified. According to the FCRA, credit bureaus are obligated to verify disputed debts within 30 days. In the absence of verification, such items should be promptly removed from the consumer 's credit report. 

Despite providing ample evidence and following the prescribed dispute process, including direct communication with the credit bureau ( s ) and the furnisher of the debt, there has been no resolution. The continued presence of this unverified debt on my credit report has adversely affected my credit score, potentially impacting my ability to obtain credit, housing, and employment.

Action Requested : I respectfully request that the CFPB facilitate the immediate investigation of this matter. My desired outcome is the removal of the unverified debt from my credit report by Credit Bureaus in accordance with the FCRA. Additionally, I seek confirmation that this issue has been resolved and that my credit report accurately reflects my financial history without the influence of erroneous or unverified information. 

Enclosures : Please find attached all relevant documentation, including copies of correspondence with the credit bureau ( XXXX ), evidence of the dispute, and any other pertinent information that supports my claim. 

A complete set of details was provided to RS Clark and Associates, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, through a USPS certified letter with the tracking number : XXXX XXXX XXXX XXXX US. 

Thank you for your attention to this matter. I trust that the CFPB will act promptly to ensure that my rights under the FCRA are upheld, and I look forward to your support in resolving this issue. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I deposited money into my Marcus account starting XX/XX/XXXX. On XX/XX/XXXX, I received voicemail asking for me to call Marcus. I called Marcus that day and was told that because Marcus could not verify my ownership of the account from which the deposited funds were sent, Marcus was going to reverse the transfer within a week. By XX/XX/XXXX, I noticed that my deposits were not reversed and so I called Marcus only to find out that my Marcus account was frozen. The Marcus agents I spoke with could not tell me why my account was frozen and they were unable to send passcodes to my registered phone number on my account to verify my identity. I called again on the XXXX and was told that someone would reach out to me within XXXX business days to fix the issue. No one has reached out to me and so I called today on the XXXX and was told that someone would reach out to me within XXXX business days. This issue has caused a lot of stress given that a majority of my funds are in this account. I would appreciate your assistance in resolving this problem as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: MI

Complaint narrative:
I have not initiated any business or financial transaction with those listed creditors that would warrant such an inquiry. I have carefully reviewed my credit report and am certain that this inquiry is incorrect and unauthorized.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of 15 USC 1666. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.

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 2024-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have filed a XXXX XXXX XXXX ( Form. # NFCU XXXX ( XXXX ) form dated XX/XX/2024 as I was fraudrantly contacted by Naval Federal Credit Union XXXX XXXX whom Navy Federal 's customer service number of ( XXXX ) XXXX. My account numbers were changed as well as my email passwords. 

There was a loan # XXXX in the amount of {$4500.00} that was drawn in my name that I did not authorize and I was fraudrantly told that {$4500.00} was withdrawn from another member named XXXX XXXX  and transfer into my account. So I transferred back but later to find it was a loan fraudulently generated in my name. I have created new account numbers and have placed faith and trust in NFCU to rectify this situation accordingly only to be served with a denial letter stating I am liable for the {$4500.00}. ) my new account # is ending # XXXX I have filed XXXX different fraud claims only to me met with a denial and stating I need to file another one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-26 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. 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 2024-03-26 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: NCP Holdings, L.P.
State: MI

Complaint narrative:
The XXXX XXXX XXXX XXXX Says I owe the XXXX XXXX XXXX XXXX XXXX XXXX  Says I owe them XXXX XXXX  Which is XXXX XXXX. I have never borrowed money from this company before. Please provide correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never opened an account with XXXX XXXX XXXX XXXX XX/XX/XXXX Never borrowed money from this company before. 
All of the are inaccurate and incomplete credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This grumbling to CAPITAL ONE was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in 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 non-monetary relief
Consumer complaint received 2024-03-26 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. 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 explanation
Consumer complaint received 2024-03-26 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:
Proof that this is an account that has belonged to me. When I reached out to the Debt company I was told this was a business account. I am not a business owner. I have sent Several Letters and notices to the credit bureaus including my ID, Prove of mailing, a copy of my identity theft report and a copy of my FCRA 605 form, I have had an identity theft alert on my account since XXXX. Per the account open dated being reported on my credit these account was opened in XXXX. Which means the alert did not serve its purpose. Also the credit bureau keeps adding an address to my account that I have never lived at. After research I looked up the address and that is an XXXX store. How can I possible live or be associated with a store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: OH

Complaint narrative:
Proof that this is an account that has belonged to me. When I reached out to the Debt company I was told this was a business account. I am not a business owner. I have sent Several Letters and notices to the credit bureaus including my ID, Prove of mailing, a copy of my identity theft report and a copy of my FCRA 605 form, I have had an identity theft alert on my account since XXXX. Per the account open dated being reported on my credit these account was opened in XXXX. Which means the alert did not serve its purpose. Also the credit bureau keeps adding an address to my account that I have never lived at. After research I looked up the address and that is an XXXX store. How can I possible live or be associated with a store.

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 2024-03-26 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have consistently made sure that payments on this account are made promptly, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
We where place in a loan modification by Gregory funding, we gave them XXXX dollars in XXXX and then XXXX dollars a month for 6 months XX/XX/XXXX to XX/XX/XXXX. During this time we are still receiving late payment charges and threats of foreclosure while in our loan modification. I have tried to contact them and settle this issue with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I paid the balance due on my XXXX Credit Card back in XXXX and they are still showing an outstanding balance with interest. My XXXX XXXX is taking a huge hit with this on it. 

I work for a bank and this looks very bad on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: MI

Complaint narrative:
I am writing to bring to your attention a concerning discrepancy on my credit report. Upon reviewing my recent credit report, I discovered an account that is inaccurately associated with my name and it appears to be fraudulent in nature and is not affiliated with me in any capacity.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I check my credit report address, employment information is incorrect and hard inquiries are on my account that I didnt give permission or had knowledge of why my credit had been run

Company response to consumer: Closed with explanation