vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
On XX/XX/XXXX my wallet was stolen and debit card had 2 unauthorized purchases on it. 1 for {$490.00} from XXXX and other for {$4.00} from XXXX. I immediately reported it the next day. Thats when the interrogation of me and my business started. They issued provisional credits for them on XX/XX/XXXX and as soon as they did froze my account and is still holding them hostage. I am attaching ALL correspondence between the company and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been working with Experian for the well over a month in an effort to 1 ) correct information on my credit report and 2 ) to set up online access to my Experian account. I have been unsuccessful in establishing an online account, repeatedly receiving error messages or told to call Experian 's toll free number, which only leads me to an automated system. I attempted to send an email about the issue, only to receive an automated response, once again directing me to the toll free number.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report, which are inaccurately reported and do not belong to me. These accounts have a negative impact on my credit profile and may be associated with inaccurate addresses previously disputed. The following accounts are in question : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX I have made multiple attempts to have these accounts removed from my credit report without success. These accounts are not mine, and their presence on my credit report is erroneous and damaging. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable.

FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.

ive also recently disputed accounts and associated inaccurate addresses

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 2024-07-12 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:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

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 2024-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I am unaware of this debt, I did not have the opportunity to dispute this debt. 
I did not received proper notification, if in fact you believe I received proper notification, please provide the certified mail with a receipt with my signature on there stating that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
I looked at my Credit Report XX/XX/2024 and noticed some things are incomplete & not accurate. I sent a letter to XXXX  XX/XX/2024 & asked them to investigate the completeness and accuracy.I received the results and noticed they did not fix nothing.They are breaking federal laws. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and want this fixed 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 non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc.
State: CA

Complaint narrative:
Hello, I received a weird phone call from a guy claiming to be XXXX XXXX form the number ( XXXX ) XXXX XXXX from XXXX XXXX and he said he is calling me on behalf of XXXX XXXX XXXX  to take my car because I have failed to pay the bank for the auto loan! He had my number, my name, my address and the info about my car, while I have never had any business whatsoever with XXXX XXXX and I had no debt on the car he was mentioning to! This was obviously a scam and a fraudulent call to steal my car and this seems like a big sign of identity theft!

Company response to consumer: Untimely response
Consumer complaint received 2024-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged 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 XXXX XXXX XXXX Listed below are the Collections that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-12 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: AL

Complaint narrative:
This company has called me in XXXX week almost XXXX times. They call from different numbers using area codes that are in close proximity to the area code of the number being called. I asked a representative on XX/XX/year> to please remove the number from the call list. On XX/XX/year> a representative name XXXX XXXX called the number saying that he had been working with me for several months. I was unaware of communication with XXXX XXXX who was calling from the same company in which I received a called from the day prior. Its almost they try to use mind games. I dont know if this is a scam due to the several numbers they have called from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I fell behind on my mortgage payments due to job loss. They did modify my loan but increased my interest rate which increased my payment. I asked if they could do better than that. I recently had an attorney helping that did nothing for me. So on XX/XX/year> I submitted a complete package to them for review and it was denied that day stating the my wife did not fill out a application so they stated it was incomplete and are refusing to look at it. When I was working with the attorney the attorney just had my wife fill out a non borrower contribution form that was it. That was also sent in the package as well. I believe that they just do not want to help me. This has been such a struggle that I just want to get moving on this. After stating it was incomplete they are stating that it is XXXX days prior.to the foreclosure sale that they will not postpone it.I believe that rule which I read on is about XXXX XXXX XXXX. I know my package is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!

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 2024-07-12 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: GA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 2024-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount GR Holdings, LLC
State: KY

Complaint narrative:
I have disputed this information on my three credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
NFCU bill pay mistakenly sent a biller two payments. The initial payment was XXXX, then two days later they sent the biller another XXXX. I contacted NFCU who directed me to contact the company they contract to do bill pay. I contacted XXXX XXXX who asked if I had contacted the company. I asked them to rectify the matter since they had mistakenly sent out the two payments. They said they contacted the biller. 

I contacted the biller who said they'd never been contacted by NFCU bill pay and it would take approximately 30 days for them to refund the payment. 

I contacted NFCU again to dispute the payment and they stated that they are not able to send out payments so they are not responsible and can not open a dispute. It would be up to bill pay to issue a refund until the biller refunds the mistaken transaction. 

The bill pay company they used stated that the bill pay was set up to send two payments in XXXX but only one in XXXX and one in XXXX. ( That is impossible ). Neither party is willing to accept any responsibility for mistakenly sending money from my account. NFCU said because they use a third party billing system they can neither dispute transactions nor are the funds insured. 

Although NFCU stated that the XXXX XXXX is separate, when you look up the XXXX XXXX  system used by NFCU it shows NFCU endorsing their XXXX XXXX system and encouraging you to get the mobile XXXX XXXX app as well. However, when there is a problem, they deny any responsibility for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: SoLo Funds Inc.
State: PA

Complaint narrative:
Every 2 weeks I was able to borrow between $ XXXX {$570.00}. The company advertises 0 % APR but requires a tip to the lender and a tip to the company itself ( 7 % ,8 % ,9 % ). These are required fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report, which are inaccurately reported and do not belong to me. These accounts have a negative impact on my credit profile and may be associated with inaccurate addresses previously disputed. The following accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to have these accounts removed from my credit report without success. These accounts are not mine, and their presence on my credit report is erroneous and damaging. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable.

FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime. 

ive also recently disputed accounts and associated inaccurate addresses

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