vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: TX

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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this 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 2024-11-13 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: MO

Complaint narrative:
Fraudulent accounts may have been added to my report without my consentplease block and remove them 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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have noticed an overdraft fee on my navy federal account. Ive been using this bank for several years and never saw an overdraft fee before. I spoke to navy federals customer service and was not provided with sufficient information about why this happened. Also they will have pending transactions and I could be waiting for a refund from another company and they take my money out due to this overdraft fee I was never aware of and I never see the money at all. Transactions are skewed until Im overdrawn while transactions are pending it just doesnt add up when Im keeping track of my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC
State: CA

Complaint narrative:
Heres the text they sent me : XXXX XXXX Hello, this is XXXX XXXX with the pre-legal investigative services. I am contacting you regarding a civil complaint which is currently in motion to be filed against you in the County Municipal Court. The plaintiff claims to process enough information to find you liable for the case. I wanted to speak with you directly to get a statement before moving forward with the process of verifying your employers current information and location. I will be available today until XXXX. Any further questions please feel free to reach out to your advisor XXXX XXXX XXXX at XXXX. XXXX They also called and text my family members.. 
They threatened to garnish my wages as well.. they try to get my debit information .. the company XXXX is there name

Company response to consumer: Untimely response
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: HI

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention 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 2024-11-13 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: FL

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 explanation
Consumer complaint received 2024-11-13 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: NV

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.

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 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 2024-11-13 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: NC

Complaint narrative:
There are accounts on my credit report that do not belong to me, and this mix-up is hurting my credit score.

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. I told XXXX, transunion y XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this 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 2024-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: WV

Complaint narrative:
Credit Karma showed I had outstanding approval odds. Credit karma says my score is a XXXX after being denied and dropping my credit from applying to the small personal loan it said I would be approved, but I was denied! NOT RIGHT AT ALL. I would have never applied if I knew I did not have the credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My daughter is XXXX years old and her father opened store credit cards in our daughters name. XXXX XXXX and in Saks Fifth Avenue gave our XXXX year old store credit. My daughter is not XXXX and she is not personally using these credit cards. He also opened up several bank, credit cards or debit cards in her name as well. He was recently in XXXX for XXXX against the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Charge-Off Reporting by XXXX XXXX on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to request your assistance in resolving a reporting issue with XXXX XXXX XXXX XXXX XXXX which has negatively impacted my credit report. As of XX/XX/year>, XXXX XXXX reported a charge-off on an account that I have no knowledge of, claiming a {$1200.00} charge-off amount and a past due balance of {$1400.00}. I have no record of this account or any financial relationship with XXXX XXXX and am not aware of the origin of these amounts. 

Notably, my credit report shows no data ( ND ) for XX/XX/year>. However, in XX/XX/year>, a charge-off suddenly appears, which seems highly unusual and inaccurate. The rapid change from no data to a charge-off in such a short period raises concerns about the accuracy of this reporting, as I have no association with this account or its reported balance. 

I respectfully request that the CFPB assist me by : XXXX. Investigating the origin of this account and the validity of XXXX XXXX reporting on my credit file. 
XXXX. Requesting XXXX XXXX provide verification of this account and explain the reporting discrepancy between XXXX and XX/XX/year>. 
XXXX. Ensuring that this inaccurate information is removed from my credit file if XXXX XXXX can not provide valid proof of my authorization for this account. 

This error is significantly impacting my credit score and, therefore, my financial well-being. I hope to resolve this issue promptly with your support. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Charge-Off Reporting by XXXX XXXX on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to request your assistance in resolving a reporting issue with XXXX XXXX XXXX XXXX XXXX which has negatively impacted my credit report. As of XX/XX/year>, XXXX XXXX reported a charge-off on an account that I have no knowledge of, claiming a {$1200.00} charge-off amount and a past due balance of {$1400.00}. I have no record of this account or any financial relationship with XXXX XXXX and am not aware of the origin of these amounts. 

Notably, my credit report shows no data ( ND ) for XX/XX/year>. However, in XX/XX/year>, a charge-off suddenly appears, which seems highly unusual and inaccurate. The rapid change from no data to a charge-off in such a short period raises concerns about the accuracy of this reporting, as I have no association with this account or its reported balance. 

I respectfully request that the CFPB assist me by : 1. Investigating the origin of this account and the validity of XXXXXXXX XXXX reporting on my credit file. 
2. Requesting XXXX XXXX provide verification of this account and explain the reporting discrepancy between XXXX and XX/XX/year>. 
3. Ensuring that this inaccurate information is removed from my credit file if XXXX XXXX can not provide valid proof of my authorization for this account. 

This error is significantly impacting my credit score and, therefore, my financial well-being. I hope to resolve this issue promptly with your support. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Charge-Off Reporting by XXXX XXXX on Experian Credit Report Dear Consumer Financial Protection Bureau , I am writing to request your assistance in resolving a reporting issue with XXXX XXXX XXXX XXXX XXXX which has negatively impacted my credit report. As of XX/XX/year>, XXXX XXXX reported a charge-off on an account that I have no knowledge of, claiming a {$1200.00} charge-off amount and a past due balance of {$1400.00}. I have no record of this account or any financial relationship with XXXX XXXX and am not aware of the origin of these amounts. 

Notably, my credit report shows no data ( ND ) for XX/XX/year>. However, in XX/XX/year>, a charge-off suddenly appears, which seems highly unusual and inaccurate. The rapid change from no data to a charge-off in such a short period raises concerns about the accuracy of this reporting, as I have no association with this account or its reported balance. 

I respectfully request that the CFPB assist me by : 1. Investigating the origin of this account and the validity of XXXXXXXX XXXX reporting on my credit file. 
2. Requesting XXXX XXXX provide verification of this account and explain the reporting discrepancy between XXXX and XX/XX/year>. 
3. Ensuring that this inaccurate information is removed from my credit file if XXXX XXXX can not provide valid proof of my authorization for this account. 

This error is significantly impacting my credit score and, therefore, my financial well-being. I hope to resolve this issue promptly with your support. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief