vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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 dispute a collection account reported by XXXX XXXX XXXX for an alleged debt with XXXX XXXX XXXX. This account has been added to my credit report without my authorization, as I am a victim of identity theft. I have no affiliation with this account, and it is not mine. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611, I am requesting the immediate removal of this inaccurate information from my credit report. Section 605B grants me the right to have information resulting from identity theft blocked from my report, and Section 611 obligates the credit bureaus to investigate and remove any unverifiable information.

This fraudulent account is negatively impacting my credit score and causing undue distress. I request that you immediately investigate this dispute, block the information, and delete the account from my credit report. Continued reporting of this account would be in violation of my rights under the FCRA, and I am prepared to take further action if necessary. 

Please provide confirmation that this account has been removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
I notice unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
The Following Companies are not following Rules as stated below. The following Companies are reporting information in my credit report : 2 ) XXXX XXXX XXXX ACCOUNT # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX - Communication in connection with debt collection If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : SUNRISE CREDIT SERVI ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : This is not my account Please respond to me with an updated copy of my credit report once these accounts have been removed. 

Thank you, 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-09-24 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I leased a car from Mazda Financial in XX/XX/XXXX. I paid all XXXX lease payments in a timely manner without any late payments. Almost all of the payments were made using the online auto pay feature. I reconciled my bank accounts each month to make sure the payments had gone through. 

The lease matured on XX/XX/XXXX. My intention was to purchase the car in full, which I later did on XX/XX/XXXX. 

My understanding was that the car lease gets auto extended for a period of up to XXXX months if no action is taken. 

I was out of the country from XX/XX/XXXX to XX/XX/XXXX. During this time I did not notice that my XX/XX/XXXX lease payment did not get auto withdrawn from my bank account. 

By the time I returned, I attempted to make a payment using the Mazda website and phone app, as I had done for the previous XXXX years. 

The website and app directed me to call a phone number which was always having very extended wait times when I call during my limited daytime availability. 

Since I intended on purchasing the car within the coming couple of weeks, I did not overthink the need to urgently make a payment. I had paid all of the XXXX lease payments. 

I later received a credit report alert that my account was 30 days late because the payment was to be due on my lease maturity date of XX/XX/XXXX since I had yet to return the car. My credit score dropped by XXXX points. 

I initiated a dispute with the credit rating agencies which sustained the damaging remark. 

Upon contacting Mazda Financial services, I was informed that due to my lease maturing, there became no way to make online payments. Despite seeing in my XXXX and XXXX Mazda account statement on page XXXX that payments can be made online, I was unable to do so. This is clearly misleading. 

If possible, I would have gladly paid off the entire car balance if the website would have managed that capability as Ive done in the past with XXXX. 

Mazda Financial services is unwilling to adjust my account despite the Mazda system being not user-friendly post lease maturity date and the call center having extended wait times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
B of A stated there was an application for a new credit card for XXXX XXXX. I was told they had now marked it as fraudulent and sent the information to the credit bureaus to correct my report. The inquiry is still showing. This impacts my credit. 
All of this was handled through the Bank of America Fraud Department over the phone. No paperwork was ever given to me.

This may be unrelated. Now my social and old house phone number from XXXX years ago are showing on the dark web with my new address.

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 2024-09-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : 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 - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: ID

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : -XXXX Account Number : XXXX TransUnion / XXXX / XXXX XXXX Account Number XXXX XXXX TransUnion / 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account was charged off XX/XX/XXXX. The company has been reporting " CO '' from then until XX/XX/XXXX and report shows a balance of XXXX $ continuously reported on my credit report when the account has been charged off. I asked for the tax form 1099c to prove they charged off the debt as a " loss and I would need to count it as income. I was told " we don't send those out ''. They are lying on my credit report or lying to me. Violation of FCRA Reporting Incorrect Information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account was charged off XX/XX/XXXX. The company has been reporting " CO '' from then until XX/XX/XXXX and report shows a balance of XXXX $ continuously reported on my credit report when the account has been charged off. I asked for the tax form 1099c to prove they charged off the debt as a " loss and I would need to count it as income. I was told " we don't send those out ''. They are lying on my credit report or lying to me. Violation of FCRA Reporting Incorrect Information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
The account was charged off XX/XX/XXXX. The company has been reporting " CO '' from then until XX/XX/XXXX and report shows a balance of XXXX $ continuously reported on my credit report when the account has been charged off. I asked for the tax form 1099c to prove they charged off the debt as a " loss and I would need to count it as income. I was told " we don't send those out ''. They are lying on my credit report or lying to me. Violation of FCRA Reporting Incorrect Information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Loans with Navient was placed on deferment till I turn XXXX years old and interest is still occurring. Previously they invalidly combined my parent power loans with my other loans, limiting my abilities to qualify for any payment options. The parent power with XXXX was supposed to be forgiven due to fraud and school being shut down. When addressed as to why I was not able to have other repayment options, their way of addressing the situation was placing my loans into deferment. I was not informed by Navient via letter or email, but received notification via from Department of Education. I attended XXXX XXXX of XXXX, TN, XXXX University XXXX XXXX, NJ, XXXX XXXX University XXXX XXXX, AZ. Each school if not shut down due to fraud, mislead the education as I have not benefited nor have I been the opportunity to work within any of their fields, then to top it off Navient mislead and fraudulently messed up my student loans account, as which I am seeking ramification to have them all forgiven. There acts have added to my XXXX, XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681. Section 602 of the FCRA affirms my right to privacy. Additionally, under 15 U.S.C. 1681e ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Furthermore, according to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
My checking account with XXXX  XXXX XXXX was closed and paid in full {$17.00} and this negative account needs to be removed off my credit reports and Chexsystem reports

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 2024-09-24 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: NJ

Complaint narrative:
These companies pulled my credit report without my authorization, and its had a direct impact on my credit score. I reached out to Experian, and although a representative promised these fraudulent inquiries would be removed, they are still present. This situation is deeply concerning, as Im now worried about potential identity theft. Beyond the stress of dealing with these inaccuracies, the damage to my credit score is affecting my financial options, limiting my ability to get approved for loans or credit, and adding even more pressure to my life.

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 2024-09-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed an inquiry on my credit report from Wells Fargo. I do not recognize or recall making any recent applications that would warrant this inquiry.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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