vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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:
I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, I have not received 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 explanation
Consumer complaint received 2024-07-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover nay any medical fees. Please advise me as to name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges, Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY! 
AN # 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 2024-07-17 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: GA

Complaint narrative:
I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, I have not received 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 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Looking to get validation of Debt owed from NAVY FEDERAL CREDIT UNION I never got a credit card account with them, Need to get validation of debt owed from them directly because I am confused. Need open date directly from NAVY FEDERAL CREDIT UNION in writing no other place no other creditor but from NAVY FEDERAL CREDIT UNION. I need open date to show proof because if I owe them the debt then I need the original information from them directly. No billing statements but original contract, original documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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 earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

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 2024-07-17 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: FL

Complaint narrative:
Dear Experian, I am writing to inform you that I have recently become a victim of identity theft, as fraudulent inquiries have been made on my credit report without my knowledge or authorization. I have never made any inquiries to the following companies listed on my credit report : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> These inquiries are not legitimate and were made without my consent. I am deeply concerned about the potential impact these fraudulent activities may have on my credit score and financial well-being.

I kindly request that you investigate these fraudulent inquiries and take the necessary steps to remove them from my credit report as soon as possible. Additionally, I would appreciate your assistance in placing a fraud alert on my credit file to prevent any further unauthorized activities.

I have also taken the necessary steps to report this identity theft to the relevant authorities, and I am more than willing to provide any additional information or documentation that may be required to assist in your investigation.

I urge you to take swift action to rectify this situation and restore the integrity of my credit report. Your prompt attention to this matter is greatly appreciated.

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 2024-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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:
On XX/XX/year>, I disputed the above-mentioned item through XXXX XXXX, and they attempted to reach out to Equifax. However, Equifax has failed to respond to this dispute. The case number from XXXX XXXX is XXXX. I have not received any written response from Equifax to date, which is now 57 calendar days past the initial dispute.This failure to respond violates Section 611 of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that credit reporting agencies complete their investigations within 30 days. I am attaching documentation from the courthouse that supports my claim that the XXXX XXXX  Bankruptcy information is inaccurate.On XX/XX/year>, I was denied a credit application from XXXX due to the erroneous bankruptcy reporting on my credit report. I have a copy of the denial application for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: MI

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. 

Account Name : 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 XXXXXXXX Account Number : 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 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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted the bank in regards to loans XXXX, XXXX, XXXX and XXXX all which had foreclosed due to a mixture of inaccurate information and income problems due to XXXX. I reached an agreement to settle all XXXX accounts at 25 % of the balance at that date. 
Loan Original amt on XX/XX/XXXX XXXX {$11000.00} XXXX {$8600.00} XXXX {$17000.00} XXXX {$19000.00} Totals {$57000.00} The company went on to again provide XXXX. Inaccurate calculations of the amount due XXXX. On more than XXXX occasions I was advised that the accounts were paid in full XXXX. Advised that this will be updated on my credit report within 30 days, it has passed 30 XXXX days and still there. 
XXXX. I have disputed it on my credit report on XX/XX/XXXX and the company has again inaccurately validated that the full amounts are correct. 
XXXX. I have even disputed it here only to have the representative ignore the valid information I emailed her and then be provided a response advising of a 40 % settlement which is both Inaccurate in calculation and statement. 
I have provided copies of the inaccurate calculations for your reference and also a copy of the last response Loan Original 25 % Settlement Discover Calculated XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX Totals {$57000.00} XXXX XXXX XXXX To date I have paid discover all of the monies that we agreed upon and have confirmed on many occasions that it was settled. 
In addition I reviewed the statements on this account from origination and it shows the initial date of delinquency XX/XX/XXXX at which point I was charged late fees of {$15.00}. 
These accounts should be settled and as a result of the first date of delinquency being past 7 years these accounts should no longer be on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I have an account with NETCREDIT, they have continuously approved me for a credit line. However, I had a legal name change and need to update account in order to process a line of credit and access some funds. I have tried for TWO years to request that they change and update my legal name on my account but although they confirm my request, they continue to ignore my request. They will not update my account. I have provided all of my ID information, copies of ID, including a copy of the CERTIFIED COURT ORDER so that they can update the account. They continue to ignore my requests, but yet, I respond to all of their requests. And in the meantime, they just continue to deny my request for funds due to " unable to verify ID ''. They are just sending me in circles and refusing to assist. I do not call it in because 1 ) you still need me to send you the documents and 2 ) I am profoundly deaf. Very unprofessional, unethical company practices. 

Please insist that they respond and handle my request accordingly. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: GA

Complaint narrative:
I am writing to dispute an inaccurate bankruptcy entry on my credit report. I have contacted the bankruptcy court, and they provided me with a letter confirming that no such bankruptcy has been reported for me. This incorrect information on my credit report is not only unverified but also illegal. I urge you to immediately investigate this matter and correct my credit report to reflect accurate information. 

It is deeply concerning that TransUnion is reporting inaccurate information that could significantly impact my creditworthiness. I must emphasize that this erroneous reporting is not only misleading but also potentially damaging to my financial standing. I urge you to rectify this error immediately under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you investigate this matter promptly and remove the inaccurate bankruptcy entry from my credit report. I expect a swift resolution and confirmation of the correction.

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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint narrative:
I had send complain since last XXXX but I dont get any clarity. I get fraud due from Citibank fraud ( marketing through social media - XXXX  ). 
Citibank still insist ask me to pay for transaction done by the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, I have not received 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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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:
On XX/XX/XXXX I contacted the bank in regards to loans XXXX, XXXX, XXXX and XXXX all which had foreclosed due to a mixture of inaccurate information and income problems due to XXXX. I reached an agreement to settle all XXXX accounts at 25 % of the balance at that date. 
XXXX XXXX amt on XX/XX/XXXX XXXX {$11000.00} XXXX {$8600.00} XXXX {$17000.00} XXXX {$19000.00} Totals {$57000.00} The company went on to again provide XXXX. Inaccurate calculations of the amount due XXXX. On more than XXXX occasions I was advised that the accounts were paid in full XXXX. Advised that this will be updated on my credit report within 30 days, it has passed XXXX XXXX days and still there. 
XXXX. I have disputed it on my credit report on XX/XX/XXXX and the company has again inaccurately validated that the full amounts are correct. 
XXXX. I have even disputed it here only to have the representative ignore the valid information I emailed her and then be provided a response advising of a 40 % settlement which is both Inaccurate in calculation and statement. 
I have provided copies of the inaccurate calculations for your reference and also a copy of the last response Loan Original 25 % Settlement Discover Calculated XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX Totals {$57000.00} XXXX XXXX XXXX To date I have paid discover all of the monies that we agreed upon and have confirmed on many occasions that it was settled. 
In addition I reviewed the statements on this account from origination and it shows the initial date of delinquency XX/XX/XXXX at which point I was charged late fees of {$15.00}. 
These accounts should be settled and as a result of the first date of delinquency being past 7 years these accounts should no longer be on my account.

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 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
On XX/XX/2024 I received a notification from my XXXX XXXX  on my mobile app that someone fraudulently did a change of address to an address that I dont even know or am affiliated with. I contacted XXXX banking they transferred me to XXXX in which I have an account with. We were told that MID LAND CREDIT MANAGEMENT FROM XXXX XXXX XXXX  had open an account from a Deb collection with the address of : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX saying we owe {$760.00}. We do recognize the XXXX XXXX XXXX  but for them to go make up an address that we have no affiliation with or even know where that is, is fraudulent! We just recently purchased a car online through XXXX and are worried that our information was shared but the address is not right and we dont even know that address. Looks like they just made up an address so that they could open an account against me witch isnt right its fraudulent so we were told by experian from XXXX from the XXXX  team of the fraud department to file this report with you guys at the FTC.gov and they will be helping us moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For XXXX weeks Ive been unable to access my buisness account online with XXXX. Ive been on vacation for XXXX weeks and upon my return from my trip I wanted to resolve the issue. I called the number directed on the website. Initially I spoke with a security specialist and she verified my info and then she said a second security group with Chase bank needs to handle this issue so I was transferred. I again verified my info and I was told my account was under review and was hung up on without any further opportunity to discuss the issue.

Company response to consumer: Closed with explanation