vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/2024 To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the four major credit reporting agencies. I recently disputed a charge-o for {$33000.00} from XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX

Company 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 2024-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX violated 15 U.S.C 1681 of the FCRA reporting false information to Experian, XXXX and XXXX XXXX. These credit agencies have violated 15 USC 1681 ( n ) Civil Liability for willful noncompliance by continuously reporting this false information after several disputes. XXXX XXXX XXXX XXXX accepted {$2400.00} as a paid Charge Off Settlement, the account was closed in XX/XX/year> with {$0.00} balance. In XX/XX/year> they reported a different account number with a new balance I did not open and a payment I did not make. I believe this is an attempt to collect additional moneys not owe and prolong the timeline or reporting original account to ALL Credit Reporting Agencies damaging my credit rating.

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 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have contacted Navy Federal on the matter of my credit card balance.My credit limit was {$1000.00} and ballooned to XXXX  XXXXThey are unable to explain to me how a charge of {$4800.00} was allowed to go through when my balance was {$900.00} at the time the charge came through.This charge should've been denied by Navy Federal .

This happened during height of Covid and I was sued and unable to attend court to defend my case.I have included statements showing balance increase and shows credit limit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-12 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is currently reporting unfair information to the XXXX and my credit profile. They are reporting that they closed my checking account due to suspected fraud. At no point in time did they attempt to protect me. I never received any written correspondence from them, nor, was any such investigation conducted to confirm the suspected fraudulent activity. They just closed my account and unfairly reported this information. Because they did not confirm fraudulent activity, take a financial loss or seek litigation ; I am respectfully requesting that Bank of America remove this negative information from my profile and that they are sanctioned. 

I was seeking employment on Indeed. A work from home position as a XXXX XXXX  XXXX. A employer contacted me via XXXX  and extended an offer to me. They told me everything was done online and that I would be mailed out a check for me to deposit to purchase the equipment I needed. Upon depositing the check, it bounced and Bank of America threw the book at me instead of trying to help me. I was the victim. I had a long relationship with them and had NEVER bounced a check with them.or anyone else! They should do the right thing right now and remove this information. Thank you. 

Kind Regards, 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 2024-12-12 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: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE AND UNVERIFIABLE ACCOUNTS WITH XXXXXXXX

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 2024-12-12 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: TX

Complaint narrative:
My credit report shows several inaccurate billing entries, reflecting late payments that are not consistent with my payment history. Please correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, Experian is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation. 
TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following XXXX late payments have been inaccurately reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
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 2024-12-12 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: AL

Complaint narrative:
My name is 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 2024-12-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  collected my money for approx XXXX yrs claiming to have placed in an account in my name of which I never got balance or had access of. After many attempts a series of calls to me asking me to approve and fund added expenses and fees I received a bill for similar amount of my estimated deposits I sent in and they then ruined my credit by XXXX late and not paid as agreed. I never got notice of class action or charges pending for similar actions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: LEXISNEXIS
State: MD

Complaint narrative:
I requested a death certificate from the state of MD. The means to obtain the death certificate is through a government/private contractor- LexisNexis also known and operating as XXXX and XXXX. After cancelling the request, I was informed that all but {$13.00} of the {$43.00} fee charged would be refunded in approximately 30 days. The {$13.00} nonrefundable fee WOULD NOT be refunded. When encouraged by government entities to use online services ( the only means to access the requested documents ) to pay and save money for government services, private contractors should NOT benefit financially by refusing to refund extremely high fees and claim, arbitrarily, that such fees will not be refunded is arbitrary and unfair, and potentially illegal. Moreover, such practice- not refunding fees within reasonable time is a practice where the private company EARNS INTEREST when held over a reasonable period of time, especially when payment for such services are to be paid instantaneously upon request. Im requesting the practice of EARNING interest on payments made for government service through private entities should cease on behalf of myself and others similarly situated. In addition, I am requesting a total refund together with any and all interest earned by such such questionable monetary practices. That the arbitrary decision to withhold unsubstantiated and unreasonable fees, as nonrefundable is arbitrary and capricious, on top of being potentially illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: OH

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report and request an investigation and correction. I am a victim of identity theft, as documented in the Federal Trade Commission ( FTC ) Identity Theft Report with Report Number XXXX, which I have attached to this letter for your reference. Additionally, I have provided all relevant details and supporting documentation regarding the fraudulent activity. 
This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which protects consumers from inaccurate or unfair credit reporting. Relevant provisions include : XXXX. Section XXXX ( 15 U.S.C. 1681g ) ** : My right to access my credit file and dispute inaccuracies. 
XXXX. Section XXXX ( 15 U.S.C. 1681i ) ** : Your obligation to investigate disputed information and correct or delete inaccurate or unverifiable data within XXXX  days. 
XXXX. Section XXXX ( 15 U.S.C. 1681c ) ** : Prohibitions on including outdated negative information. 
XXXX. Section XXXX ( 15 U.S.C. 1681s-2 ) ** : The responsibility of furnishers to provide accurate information and correct errors when notified. 
XXXX. Section XXXX ( 15 U.S.C. 1681m ) * Obligations related to adverse actions based on credit report information.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report and request an investigation and correction. I am a victim of identity theft, as documented in the Federal Trade Commission ( FTC ) Identity Theft Report with Report Number XXXX, which I have attached to this letter for your reference. Additionally, I have provided all relevant details and supporting documentation regarding the fraudulent activity. 
This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which protects consumers from inaccurate or unfair credit reporting. Relevant provisions include : XXXX. Section XXXX ( 15 U.S.C. 1681g ) ** : My right to access my credit file and dispute inaccuracies. 
XXXX. Section XXXX ( 15 U.S.C. 1681i ) ** : Your obligation to investigate disputed information and correct or delete inaccurate or unverifiable data within 30 days. 
XXXX. Section XXXX ( 15 U.S.C. 1681c ) ** : Prohibitions on including outdated negative information. 
XXXX. Section XXXX ( 15 U.S.C. 1681s-2 ) ** : The responsibility of furnishers to provide accurate information and correct errors when notified. 
XXXX. Section XXXX ( 15 U.S.C. 1681m ) * Obligations related to adverse actions based on credit report information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX Bounce AI acquired an old account assigned to from XXXX XXXX XXXX. I discovered the existence of this account in early XX/XX/XXXX by running my credit report. I disputed the information with XXXX and it was validated as legit. I contacted Bounce AI requesting a debt validation letter and they simply sent me a bunch of account information from the XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX ( original creditor ) on XX/XX/XXXX was charged off the account. 
The full balance remaining was {$6200.00} XXXX XXXX XXXX assumed the account and started reporting it on XX/XX/XXXX. Bounce AI stated the balance owed was {$7300.00}. They are using a reference number in lieu of the original account number. 
Bounce AI has violated my rights on several fronts. They have refused to provide the original contract bearing my signature, if the account has been written off it could not bear a balance on my credit report, they have failed to provide any tangible evidence that I have any business with their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I requested information about the account, and they reiterated the information as seen on my credit report. This accountant information is inaccurate or invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Debt owed for {$31000.00} was written off as abandoned after being transferred to new owners name

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 2024-12-12 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: CA

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  : XXXXAccount name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX  - # XXXX, has violated my rights. 


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 in

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 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I do not believe that debt that is being reported on my credit report is valid midland credit management amount of {$370.00} opened XXXX XXXX i dont know anything about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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