vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my third dispute attempt to remove, delete, block this Bankruptcy from my credit report. XXXX has already complied and removed the Bankruptcy date filed XX/XX/year>. XXXX and Experian has refused to remove the Bankruptcy after I have provided the laws protecting me as a consumer by the FCRA stating why the Bankruptcy should be removed. XXXX and XXXX are in violation of the law and also violating my rights according to the guidelines provided by the FCRA, I also contacted the Court which filed the Bankruptcy asking If any information or documents were submitted or released to any Creditor, Credit Bureau, Third party, and their response was NO..!! I have attached a copy of this letter with a copy of my third Dispute Letter, Copy of my Drivers license, and current utility bill.. XXXX and XXXX do not have my authorization, my signature, consent or any proof the court has provided this Bankruptcy to them. I have also informed XXXX and Experian that if the Bankruptcy is not removed, blocked, deleted from my credit report, I will find legal counsel from a attorney.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX  late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I

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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
There is a company named XXXX, who I paid to make me a set of veneers. The company repeated asked for me to purchase more product from them in order to make an impression that they would use to make the veeners. After making two impressions, the company asked me to purchase a third impression kit. 
I decided that it wasn't a good idea to keep purchasing an impression kit just for XXXX to claim that the impression wasn't good enough to use to make the veneers. 
I requested a refund from XXXX and they seemingly were going to send the refund but later decided against it. Therefore, I contacted Chase bank, who issued a temporary credit pending investigation. On XX/XX/XXXX, I contacted Chase due to an unexpected reversal of the charge. I asked them why had they reversed it and they stated that the company stated that I received the product. I explained to them the process of the company, in which I had to send XXXX $ upfront to start the process. After they received payment, they sent an impression kit. I followed the instructions on the compression kit and submitted the photos to the company and the company told me that I needed to purchase another impression kit. I did. I submitted photos the second kit and the company told me to purchase ANOTHER kit and I refused, believing that I was being scammed. Chase sided with the company, claiming that I stated the product. I never received the end result, which was supposed to be veneers. Chase initially said that they would not reopen the claim. After which, I went to the branch and submitted additional documentation including emails that proved that I'd not received the final product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> someone stole my identity and purchase XXXX vehicles in my name that I did not authorized. I was incarcerated in XX/XX/year> in XXXX XXXX. 

XXXX XXXX $ {$70000.00} XXXX XXXX XXXX {$47000.00} Both accounts stated above are fraudulent and doesnt belong to me

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 someone stole my identity and purchase 2 vehicles in my name that I did not authorized. I was XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$47000.00} Both accounts stated above are fraudulent and doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I PURCHASED A XXXX  IN XX/XX/XXXX. I HAVE HAD BILLING AND PAYMENT ISSUES SINCE THE FIRST PAYMENT FROM M & T BANK LOSING THE INITIAL FINANCIAL DOCUMENTS WITH BANK INFORMATION ENCLOSED, TO PAYMENTS NOT BEING APPLIED, TO NOT HAVING CORRECT INFORMATION, TO LYING ABOUT MY INSURANCE COMPANY FILING A TOTAL LOSS REPORT, AND MORE. 

I JUST RECEIVED A CALL TODAY, XX/XX/XXXX, STATING THAT MY XXXX AND XXXX PAYMENT WAS NOT MADE. MY DAUGHTER WAS AUTHORIZED TO SPEAK WITH THE REP, AS ALWAYS, ON XX/XX/XXXX AND WE DID A PAYMENT OVER THE PHONE BECAUSE THERE IS ALWAYS AN ISSUE WITH M & T BANK AND PROCESSING A PAYMENT. THE PAYMENT, MADE ON XX/XX/XXXX ( CHECK # XXXX ) WAS COMPLETED WITH A REP ON THE PHONE. IT CLEARED AND POSTED XX/XX/XXXX. AS OF TODAY ( XX/XX/XXXX ), A NEW REP STATED THAT SHE HAD TO TOGGLE INTO DIFFERENT SYSTEMS TO SEE WHAT HAPPENED WITH THE PAYMENT AS SHE SHOWS IT WAS REVERSED AS OF XX/XX/XXXX. NO PAYMENT HAS BEEN REVERSED IN OUR ACCOUNT. MY DAUGTHER ASKED HAS THIS BEEN REPORTED TO THE CREDIT BUREAUS AND XXXX STATED SHE DID NOT KNOW AND WE WOULD NEED TO CALL TO FIND OUT. WHAT A WASTE OF A FINANCIAL INSTITUTION. CAN'T GET THEIR BANKING STUFF TOGETHER AND MAKES IT HARD FOR THE CUSTOMER. IF THE XXXX  PLACE DIDN'T DO LOANS THRU THEM, I WOULD HAVE NOT GONE WITH M & T. THEIR STANDARDS ARE LOW AND THEY HAVE A LACK OF CUSTOMER SERVICE AND KNOWLEDGE. 

THE XXXX, THE REP ( XXXX ) STATED WAS REPORTED BY MY INSURANCE COMPANY AS A TOTAL LOSS. I HAVE A DOCUMENTED LETTER AND EMAIL FROM THE INSURANCE COMPANY NEVER RECEIVING ANY REPORTED LOSS ON OUR XXXX. THE XXXX  HAS NEVER BEEN IN AN ACCIDENT. XXXX DID NOT REPORT THIS AS STATED PER XXXX. ( SEE LETTER FROM XXXX XXXX M & T BANK NEEDS TO CORRECT THESE ERRORS TO NOT ONLY MY ACCOUNT, DUE TO THEIR LACK OF KNOWLEDGE AND PRACTICES, AND ALSO CORRECT MY CREDIT REPORT SHOULD THEY HAVE REPORTED NEGATIVELY. 

I WILL TAKE THIS TO THE NEWS ALSO AND MY DAUGTHER, XXXX XXXX, IS ALSO ALWAYS AUTHORIZED TO ASSIST ME WITH MY FINANCIAL MATTERS. 

AN ACH PAYMENT IS WHAT IT IS, AN ACH PAYMENT. WHY DOES IT MATTER WHOSE ACCOUNT THE PAYMENT COMES OUT OF. IF MY DAUGHTER WALKED INTO A BANK AND MADE A PAYMENT ON THE ACCOUNT WITH CASH, ARE YOU GOING TO REFUSE THE MONEY BECAUSE IT'S IN HER HANDS? THE LACK OF KNOWLEDGE COMING FROM THE REPRESENTATIVES MOUTHS IS UNDENIABLY RIDICULOUS.

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 monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
15 USC 6801 requires financial institutions to protect the confidentiality of customers ' nonpublic personal information. 15 USC 1681 Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the consumer 's written consent. 15 USC 6802 ( b ) ( c ) requires that financial institutions provide clear explanations of nondisclosure options before sharing personal information with third parties. 15 USC 1681C ( a ) ( 5 ) prohibits reporting adverse items older than seven years. 15 U.S. Code 1681s2 ( A ) ( 1 ) forbids furnishing inaccurate consumer information. 12 CFR 1016.7 affirms that consumers may opt out of reporting services at any time. Therefore, I am formally : Revoking all prior consent for information sharing Demanding cessation of all reporting activities Asserting my right to privacy and data protection All referenced consumer reporting agencies and information furnishers are hereby notified to immediately cease and desist all information reporting and sharing related to my personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my re
port immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. I kindly request the prompt removal of the unauthorized accounts from my credit report. I did not open or authorize these accounts, and their origins are unknown to me. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are enclosed for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$10000.00} from XXXX XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> from XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
For the last 4 years I was under the opps program with Navy Federal Credit Union and every month I was charged extra

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief