vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-04-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to dispute the following items off my credit report : Equifax : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$19000.00} XXXX XXXX XXXX Account Number : XXXX {$5100.00} XXXX XXXX XXXXXXXX Account Number : XXXX {$4100.00} XXXX BANK Account Number : XXXX {$0.00} XXXXXXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXXXXXX  Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$160.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$19000.00} XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XXXXXXXX XXXX Account Number : XXXX {$4900.00} XXXXXXXX XXXX Account Number : XXXX {$310.00} XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$5100.00} XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$160.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a vehicle loan at Navy Federal Credit Union. Once " approved '', I sign and delivered a Promissory Note/ Security to the financial institution which they then transferred to XXXX XXXXXXXX who holds customer securities on Navy Federal 's behalf. Knowing that the promissory note is a financial asset which the company receives an advance at par value from the United States Treasury for, Navy Federal received full value for the vehicle loan once they received such document. 

Up unto this day, Navy Federal is still erroneously billing me as if I owe an outstanding balance for this loan when they have already received value in full when I signed and delivered the note. This constitutes for Securities Fraud. I also submitted a Billing Error Notice to rectify this dispute but the institution decided to ignore that notice. On XX/XX/XXXX, I delivered a notarized Notice revoking the following authorization ( XXXX ) I have given Navy Federal : 1. Any Statutory Lien in my shares and dividends on deposit in All joint and individual accounts and any monies held by Navy Federal now and in the future, to the extend of the loan made and any charges payable. I revoke Navy Federals security interest in the collateral securing loan ( s ) that I have with Navy Federal now and in the future, including any type of change or increase, and any proceeds from the sale of such collateral and of insurance thereon. 

XXXX. Any Security Agreement appointing Navy Federal as attorney-in-fact with limited authority to take such steps and accomplish such acts as Navy Federal may deem necessary to perfect the security interest created by such agreement and to protect the collateral. 

3. Navy Federals right to receive the proceeds of insurance, not to exceed the unpaid principal loan balance. Any right Navy Federal may have to take possession ( repossess ) of all stated collateral and selling, or otherwise disposing of the same, or any part thereof, at public or private sale. 

I also advised them that given this revocation, any and all proceeds from the sale of such collateral and proceeds of insurance shall be transferred to the borrowers Treasury Direct account using the credentials listed below : Account XXXX. XXXX XXXX XXXX. XXXX Since receipt of this Notice, Navy Federal has not updated my account ( s ) to reflect this revocation and has not responded to this correspondence. This notice shall be in effect as of the day it was signed until I retract this revocation, written or orally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-11 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: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-11 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1400.00} MXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance  : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$5400.00} XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX XXXX XXXX {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-04-11 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-11 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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