vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Date : XX/XX/year> Dear CFPB, I am writing to inform you that I am a victim of identity theft. I have been made aware that fraudulent information is being reported to your company, damaging my credit and reputation. 

I have contacted the previous companies involved and attempted to resolve this issue. Unfortunately, I believe they are not complying with the law, specifically 18 USC 1341, which pertains to fraud and swindles. This has resulted in a deformation of my character and a violation of my consumer rights.

As you are aware, the law requires that any fraud be blocked and removed from a consumer 's credit file. It is illegal to hold or obligate a consumer to disclose or furnish any information on a credit report. This is a clear violation of 15 USC 1681e and 1681b, which outline the requirements of credit reporting agencies to ensure the accuracy and fairness of consumer information.

Furthermore, your company 's failure to conduct a reasonable investigation of my dispute regarding the incorrect and fraudulent information on my credit report is a violation of 15 USC 1681i.

I request that you take immediate action to : 1. Remove all fraudulent information from my credit report.

2. Block any further reporting of this information.

3. Conduct a thorough investigation into this matter.

Please confirm in writing that these actions have been taken. I appreciate your prompt attention to this matter, and I look forward to resolving this issue. 

Please remove fraudulent accounts with Navy Federal Credit Union, XXXX XXXX XXXX XXXX  Consumer ID number XXXX, and all reporting agencies, account numbers are listed below. 

Navy Federal Credit Union account numbers - XXXX - XXXX Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: 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 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 2024-11-22 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: AL

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 non-monetary relief
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report i requested that they provide the purchase agreement to show full ownership of such debt account and also other documents so may review to see if this actually an account that belong tome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: SLM CORPORATION
State: IN

Complaint narrative:
After carefully reviewing my credit profile, there are fraudulent accounts showing on my credit report. I am a victim of identity theft for the information to be shared on my consumer credit profile. I ask that ALL items listed be removed and deleted off my consumer credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
I originally spoke with XXXX XXXX when I received a bill with no details. The representative had nothing in the system for my name or social security number. I was transferred to supervisors and multiple departments over several phone calls to determine why I received a bill. Ultimately, it was determined that the previous XXXX XXXX customer, XXXX XXXX, who had the phone number before me was responsible for the amount due. I was told not to worry about the bill I received any further. This was in XX/XX/XXXX. I was a XXXX XXXX customer for many years since I lived in Florida and then switched to XXXX XXXX XXXX after separating from my husband. It wasn't until I made the switch to XXXX XXXX XXXX did I receive a collection notice for the amount due from XXXX XXXX. I was never past due on my account at any time with XXXX XXXX and had no contract when I switched to XXXX XXXX XXXX. In fact, I was on the phone with representatives from both phone carriers at the time I made the switch to ensure there were no issues. I only switched because of the separation from my husband. A year later, XX/XX/XXXX, I find out that XXXX XXXX is on my credit report. I provided a letter stating the situation to TransUnion Credit Reporting and there was no investigation and no follow-up. I then provided the name of the person responsible for the original debt/account and no investigation or follow-up was done. This appears to be sheer laziness and complacency. The amount of time and energy I spent to make the calls a year ago based on a blank statement with a total due at the bottom was ridiculous. XXXX never provided a single itemized statement to indicate where the {$700.00} amount came from or how it was connected to my name in any way. I have spent more than XXXX hours on this XXXX negative credit item and I'd like it removed from my 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 2024-11-22 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:
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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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 am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified XXXX accounts that may be inaccurately reported. 

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX/XXXX  XXXX  Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with these accounts. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the accounts be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting these accounts. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX XXXX I received a letter that an application for credit was submitted to Wells Fargo Bank and another application was submitted to 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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-11-22 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: 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
Ive encountered serious issues with how my billing and payments have been reported, and its having a negative impact on my credit. According to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but this hasnt happened in my case. Payments Ive made havent been properly recorded, and there are clear calculation errors in the reported balances. To make matters worse, I was not given the required XXXX notice before my payment was due. Because of this, any late payment marks on my account are invalid and should never have been reported in the first place. These mistakes not only violate federal law but also unfairly harm my credit and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MD

Complaint narrative:
I am appalled by the inaccurate accounts on my credit report that clearly belong to someone else. This mix-up has severely impacted my score and finances, and I have repeatedly reported this issue, only to be ignored.

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 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been on a payment plan with XXXX and XXXX for over XXXX yrs. Suddenly, there was an issue w my bank or the payments back in XXXX and XXXX and XXXX stopped taking money for the arrangement. 

Since then, nobody at the debt collector/ law firm, has attempted to contact me to let me know there was an issue on my account to allow me to rectify the issue. 

I suddenly received a letter stating Im being sued for the debt without any prior notice nor notification. I have been calling and calling and calling leaving messages asking for someone to call me back to rectify the issue and nobody has called me back. 

I spoke to someone today who told me dont you notice the extra {$200.00} in your account every month or what?! To which I found quite displeasing and subsequently the gentleman stopped allowing me to speak, kept interrupting me and hung up on me saying he will have his manager call me as he cant do anything. 

How can I be taken to court without notice, without due diligence and without the opportunity to have been put back on the plan or give them the new bank account number that I created to avoid these issues w the bank in the future. 

The firm has a bad reputation for taking people to court and no notice and garnishing wages without due process and this is happening to me and I am asking for help! 

Please let know what else is needed to rectify this issue and ensure that XXXX and XXXX are handled properly because they are violating so many laws!

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 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: GA

Complaint narrative:
I tried to submit my XXXX benefits with XXXX & they denied my request because I took the loan out during service but I am from a XXXX  state which says my loans have to be capped at XXXX  % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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 have ALREADY FILED A PREVIOUS COMPLAINT WITH YOU ALL & YOU JUST BELIEVED WHAT THOSE PEOPLE SAID WITHOUT PROVIDING PROOF! I HAVE PROOF! MESSAGES FROM THEIR OWN EMPLOYEES STATING HOW THEY DONT HANDLE THINGS PROPERLY! THESE PPL HAVE REPORTED INACCURATE INFORMATION TO THE CREDIT BUREAUS & COMMON SENSE SHOWS & TELL THEY'RE LYING ESPECIALLY WHEN THE BALANCE THAT SHOWING ON MY ACCOUNT, FROM WHAT XXXX OF THEIR REPS STATED IS TOTALLY DIFFERENT & TWICE THE AMOUNT THAT's BEING REPORTED TO THE CREDIT BUREAU & IT WAS DIFFERENT THE DAY THEY UPDATED BUT YET STILL LIED!! ITS SAD THAT YOU PEOPLE DONT CARE ABOUT WHAT BUSINESSES DO & GO ALONG WITH THEM SCAMMING BEING FRAUDS TELLING LIES & NOT RUNNING A BANK OR CREDIT CARD COMPANY CORRECTLY & FAIRLY!! THEY ADD GHOST INTEREST THAT US CONSUMERS ARE NOT AWARE OF & THEIR REPRESENTATIVES SAID IT!! SHAME ON YOU CFPB! WHAT IS YOUR PURPOSE IF YOU'RE NOT DOING YOUR JOB CORRECTLY EITHER??? ITS ILLEGAL FOR COMPANIES TO REPORT INACCURATE INFO AS WELL AS ANYTHING THATS UNDER DISPUTE YET YOU ALLOW ANYTHING! THEY DONT EVEN PROVIDE YOU WITH DOCUMENTATION TO BACK UP THEIR LIES

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