vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
I wish to contest the accuracy of certain information on my credit report, which does not accurately reflect my financial records. This misrepresentation is a breach of the Fair Credit Reporting Act, specifically under Section 15 U.S.C. 1681e ( b ), obligating credit reporting agencies to ensure the accuracy of the information they compile about individuals. Enclosed are the documents that demonstrate these inaccuracies. I request an immediate investigation and the rectification of these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXXXXXX

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 2024-09-16 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: IL

Complaint narrative:
This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account name : 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 explanation
Consumer complaint received 2024-09-16 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: PA

Complaint narrative:
Im writing this to let you know its been inquires that when i checked my report i didn't authorized the theft, also to do so i would greatly appreciate, getting them off so my credit file can be resolved,

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 2024-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I obtained a private student loan from Navient in XX/XX/XXXX for {$1400.00} to attend the XXXX XXXX XXXX at XXXX. I have been paying on this loan since XXXX and then attended school and restarted paying again in XXXX. Navient has been raising the interest rate on this loan every few months, making it hard to get the student loan paid out. I am currently at a 16.250 % interest rate. I believe Navient is providing unfair business practices. Here we are in XXXX, and I owe {$3000.00} on my XXXX Signature Student loan. It appears like I never paid on the student loan because they are constantly raising the interest rate. This is very unfair. Navient does not provide many repayment options for private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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:
I Recently Checked My Consumer Reports and found an Improper Usage of my credit from IL Department of Human Service which then Sold my information to XXXX XXXX. Which is in violation of the FCRA in pursuant to 15 usc 1681b you never had permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.

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 2024-09-16 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: NY

Complaint narrative:
Experian is Reporting 7+ Years old closed out dated accounts on my consumer report. Experian is Reporting inaccurate name Alias on my consumer Report. 

XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Status Closed XXXX # XXXX Consumer Credit File Rights Under State and Federal Law 15 U.S. Code 1679c Consumer have a right to dispute inaccurate information in their credit report by contacting the credit bureau ( Consumer Reporting Agencies directly. The credit bureau ( Consumer Reporting Agency must remove inaccurate, negative information from your report only if it is over 7 years old.

Experian has hurt my credit score as it keeps failing to remove this account that's Holding me back from doing business with banks and lenders as it violates my Rights According to 15 U.S. Code 1681e ( b ), Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical
or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : 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 2024-09-16 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: VA

Complaint narrative:
I have a account reporting incorrectly as open on my credit report and showing delinquent and it is reporting incorrectly, Due to my rights I will like it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
frequent calls with unknown numbers of weekends and before XXXX also after XXXX. harassment of calls and texts. 

I have sent them a letter to cease and desist all communication in any matter and to any 3rd party not authorized by me in writing pursuant to the FDCPA 15U.S.C 1692c ( b ) ( c )

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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 



TD BANK NA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I attempted to open an account with Ally Bank and when I went through the online opening process the system recognized my information and told me that I was already a customer and prompted me to enroll in online banking. I attempted to enroll and the phone number and email address that Ally has for me is outdated and I no longer have access to either. I called Ally and attempted to update the information and was connected with someone who spoke very little XXXX and who put me on one extended hold after another. Eventually the phone just disconnected and I was left without having any answers as to if I had any accounts currently with Ally and if I would be able to access online banking. I would like to update my information with Ally so that I can access their online systems but as of this moment this seems impossible. I will attach a copy of my photo ID to this complaint for Ally to help locate me. The last four of my social is XXXX XXXX XXXX XXXXXX/XX/year>, mother 's maiden name is XXXX. The former phone number that I do not have access to is 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 2024-09-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date : XXXX XXXX TransUnion Credit Bureau XXXX XXXX XXXX XXXX XXXX PA XXXX Account NumberXXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report. I recently obtained a copy of my report and noticed that a medical debt from XXXX XXXXXXXX XXXX XXXX has been listed on my file. I believe this debt is either inaccurate or has not been properly validated, as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 USC 1681i ], I am exercising my right to dispute this account and request an investigation into the accuracy of the information. According to the FCRA, TransUnion is required to conduct a reasonable investigation and verify the accuracy of the disputed information. 

Additionally, under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA )XXXX XXXX XXXXXXXX XXXX XXXX is required to provide verification of the debt, including the following : 1. The name and address of the original creditor.

2. A detailed breakdown of the amount of the debt, including any fees or interest.

3. A copy of any agreement signed by me showing I agreed to pay this debt. 
4. Documentation showing that XXXX XXXX XXXX  XXXX is legally entitled to collect this debt. 

Furthermore, under UCC 9-609 and 9-610, a creditor must possess legal standing to collect or enforce this debt. I am requesting proof that XXXX XXXX XXXX  XXXX is the legal owner of this debt and has the authority to report it to credit bureaus. 

Please also provide validation that this debt has not exceeded the statute of limitations for collection as per UCC 2-725, which stipulates that actions must be commenced within four years after the cause of action accrues. 

I request that this account be marked as in dispute while the investigation is being conducted. If the debt can not be validated as accurate, I expect it to be removed from my credit report, per my rights under the Fair Credit Reporting Act ( 15 USC 1681c ). 

Please notify me of the results of your investigation in writing and send a new copy of my credit report if any changes are made. 

Thank you for your attention to this matter. I look forward to resolving this issue in a timely manner. 

Sincerely, 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 2024-09-16 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2024-09-16 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: KY

Complaint narrative:
looked at my report back on XX/XX/XXXX, 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. These accounts [ XXXX XXXX XXXX XXXX XXXXXXXX ] are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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.

Check attachments below.

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 2024-09-16 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: TX

Complaint narrative:
I have discovered inaccuracies in my credit report that do not align with my actual financial records. These inaccuracies violate the Fair Credit Reporting Act, under the provision of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to uphold rigorous standards of accuracy in the information they report about individuals. Enclosed are the documents that substantiate my claims. I insist on a prompt investigation and the necessary corrections to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: WY

Complaint narrative:
Consumer name XXXX XXXX XXXX consumer dob XXXX XXXXXXXX XXXX consumer social security # XXXX this complaint has been filed to request pursuant to fcra 605b ( 15usc1681 c-2 ) that you, equifax credit reporting agency , block/delete information on my consumer report that is result of idenity theft and fraud/data breach within 4 business days of receiving this complaint.these fraudulent inaccurate accounts and false information consists of the following accounts # XXXXXXXX XXXX XXXX XXXX XXXX {$500.00} account # XXXX XXXX XXXXXXXX XXXX acount # XXXX balance {$26000.00} # XXXX account XXXX XXXX balance {$170.00} # XXXX acount # XXXX balance {$63.00} # XXXX XXXX  acount # XXXX balance {$1400.00} # XXXX XXXX XXXX  acount XXXX XXXX balance {$6400.00} these accounts I do not recognize the aforementioned accounts where not opened, made, or initiated by me delete immediately.i am attaching copy of FTC report # XXXX as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation