vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I know I always pay on time. I am sure of it. I don't get why this company says I'm late sometimes. Under USC 1666b, mistakes in billing should be fixed and shown as paid on time.

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 2024-08-10 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: FL

Complaint narrative:
This morning, I was horrified to see incorrect accounts showing up on my credit report. I check my credit regularly, but this time, there were discrepancies that seemed to appear out of nowhere. Refreshing my browser didnt fix the issue, as the inaccuracies stayed put. Im asking for a careful examination of my submitted documents to ensure this problem is 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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute an inaccurate item that has appeared on my credit report. I recently reviewed my credit report from XXXX, and I found that NCB MANAGEMENT SERVICE has reported a debt under my name that I do not owe. 

Details of the Dispute : Account in XXXX Original Creditor : XXXX XXXX XXXX XXXX Current Creditor : NCB MANAGEMENT SERVICE Disputed Amount : {$860.00} Reason for Dispute : This debt is inaccurate because I never did business with the current creditor. The original creditor sold this debt to the current company without my knowledge, and I do not acknowledge this debt as valid. 

I request that this item be removed from my credit report immediately, as it is not a valid debt, and is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section 605 you are required to remove these items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Complaint Against Equifax for Improper Handling of Credit Information Dear CFPB Members, I am writing to formally file a complaint against Equifax for the re-insertion of outdated and incorrect personal information in my credit report, despite my prior request for its removal. This situation violates my rights under both federal and state consumer protection laws. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. Under this law, Equifax is required to investigate disputes within 30 days and correct or delete any inaccurate or unverifiable information. The re-insertion of incorrect information without proper notification is a direct violation of the FCRA, specifically section 1681i ( a ) ( 5 ) ( B ). 

*MY NAME IS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NO HAVE Employment History In the state of XXXX, the XXXX  Consumer Credit Reporting Agencies Act  ( CCCRAA  ), XXXX XXXX XXXX XXXXXXXX et seq., also protects my rights. This law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy and confidentiality of information and prohibits the re-insertion of outdated information. Specifically, section XXXX requires credit agencies to investigate and correct errors within 30 days of receiving a dispute. 

Therefore, I request that Equifax : Immediately remove the incorrect and outdated information from my credit report. 
Provide an updated copy of my credit report with the corrections made. 
Ensure that such information is not re-inserted without proper verification. 
If Equifax fails to comply with these requests, I will proceed to take the following actions : File a formal complaint with the Federal Trade Commission ( FTC ). 
I appreciate your prompt attention to this matter and look forward to a resolution as outlined above. I am attaching copies of my identification, the relevant credit report, and any supporting documentation for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section 605 you are required to remove these items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}

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 2024-08-10 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: CA

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section 605 you are required to remove these items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I know I always pay on time. I am sure of it. I don't get why this company says I'm late sometimes. Under USC 1666b, mistakes in billing should be fixed and shown as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report and was shocked and confused. I check my credit report regularly, and this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just an error, but the inquiries remained. I am deeply concerned and request a thorough review of the documents Ive provided to resolve this issue swiftly and prevent future worries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
on XX/XX/XXXX Me and Navy Federal Credit Union discussed a settlement and agreed at {$8600.00} for a {$13000.00} balance on the XXXX XXXX XXXX XXXX that has been closed since XXXX and procured interest at +18.00 % of the unpaid balance. I paid {$1000.00} that day in addition to previous payments towards a stubborn balance. 


The statements says it will take 27 years to pay off. 


So, on XXXX I authorized the settlement payments over the phone. 

I was under the impression that the payments would be withdrawn where as we discussed withdrawals from my savings account. 
*** The representative never stated that the remaining payments Needed to be made by phone every time or that I would have to set it up manually after our call for the agreement to hold. *** However, their calls are recorded and I asked the supervisor did the representative relay the information that I would need to set up the additional payments manually where as they were only authorizing a payment for that day and not any further, she said she did not hear him disclose the information or provide those necessary details. 

That disclosure/information would have been vital for success of the settlement. 

Where as the authorization I gave over the phone was my understanding of a reoccurring withdrawal authorization because we discussed a date and from which account the payments would be withdrawn. 



Solutions : I asked her if we get a new agreement and possibly at a lesser amount than before or the remaining balance ( around {$7400.00} ) and she said they were not legally required to share that information or clarify that future payments would require action by phone. 

I contacted you guys because I believe the authorization of my payments over the phone was to be automatically withdrawn. 
___ I asked Navy Federal for a review of my interest rate because of the SCRA act stating no more than 6 % of interest for XXXX XXXX, Reservists, and other members of the armed forces. They sent me a form to fill out for my proof of service. 
I have paid on this credit card through financial struggle and Navy Federal has withdrawn money from my accounts without authorization because they said " It is their right to '' they have applied + $ 18.00 % in addition to my minimum payment consistently regardless of the payments I've made. 

Before I proceed with any further payments or agreements I would like you guys to help me. I am a new mom, I just had my son in XXXX, and before COVID-19, I was a stellar member with my finances in order. 

I even asked could we tally up payments made to the account to come to a solution of settlement because I want to be a homeowner and have a greater credit score, but they are hindering me with the negative reports, excessive interest, and misleading agreements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the account listed below : XXXX XXXX XXXX Balance : {$1600.00}

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 2024-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the account listed below : XXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We requested in writing for the XXXX on XX/XX/24 because I'm currently on a XXXX in the state of Louisiana. The Louisiana XXXX ( Louisiana Statute Section 29:312 ) PHH Mortgage replied back on XXXX/XXXX/24 stating our account is not eligible for protection under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My card was charged {$1300.00} in XXXX. I opened the dispute twice, and was rejected twice. I called/ texted the customer service at least 5 times in the span of 4 months asking the agent to request the evidence that the bank has gathered which led to the rejection of the dispute. 
However, the bank has never responded/ reached out for any of my evidence. And it has been months without them resolving the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXX XXXX XXXX Account # XXXX also XXXX  XXXX Credit card Account # XXXX and 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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of Identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I ordered a table from XXXX XXXX that was advertised as ready to ship. After XXXX weeks with no shipment, I contacted XXXX XXXX, and they informed me that it would be several months before the table would be available. I decided to cancel my order and notified Affirm, through XXXX XXXX, about the cancellation. Affirm instructed me to wait for XXXX XXXX to process the refund. 

At the end of XXXX, I received an email from XXXX XXXX confirming the cancellation and stating that I would be refunded within 10 business days. However, the refund did not arrive. I then opened a dispute on the XXXX XXXX app, but continued to receive non-payment notifications. When I called Affirm, they suggested opening a dispute but consistently failed to follow through. Despite my efforts to resolve the issue, including forwarding over 15 emails from XXXX XXXX, Affirm claimed they did not receive these emails and suggested I reach out to XXXX XXXX directly. 

Throughout this process, I was advised to continue making payments to avoid affecting my credit score. However, despite my clear communication that I wanted to resolve the issue and avoid credit damage, Affirm did not formally open a dispute. Consequently, they reported the issue to the credit bureaus, which severely impacted my credit score. 

This unresolved situation has placed an undue financial burden on me, hindering my ability to secure a mortgage at a reasonable rate. After exhausting all efforts to resolve the matter, I eventually paid the total amount. I have since filed a complaint with the Ohio Attorney Generals office, yet I have still not received a refund from either XXXX XXXX or Affirm, and the issue remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am deeply unsettled and disappointed to discover inaccurate accounts on my credit report today. I always check my credit report, but this time there were discrepancies that werent there before. Even after refreshing my browser, the incorrect accounts were still visible. I urgently need the documents Ive sent to be thoroughly reviewed so that I can have peace of mind.

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