vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: CT

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Over the past 3-4 years Navy Federal has been charging me overdraft fees when I was enrolled in the overdraft protecting program they caused my account to close having me in a hardship unable to pay them back because of all these fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXXXXXX 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 2024-11-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal loan opened at XXXX XXXX with a balance of {$5100.00}. This accounts have resulted in a fraudulent charge-off appearing on my consumer FICO credit report. I've attached a dispute letter and copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer.

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 2024-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This creditor is reporting on my credit report as delinquent but this is not my credit, also when I requested a dispute on the reporting I also requested documents showing this is my credit after disputing multiple times I was still never provided with any documents not even a 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I filed a dispute with credit bureaus to follow up with AMEX about the First Date of Delinquency for XX/XX/year> on credit report for XXXX, XXXX and XXXX. The First Date of Delinquency status is not accurate for the payment history on the account. The account was never late and historically paid in full each month. The AMEX is correct with listing as Included in Bankruptcy. 

First Date of Delinquency is not a correct status for my credit history with AMEX. The account was never late, paid in full for billing statements prior to XX/XX/XXXX bankruptcy filing. Credit cards were not included in the bankrupty outside of this AMEX account for the under {$500.00} balance. 

The account had a payment nearly {$600.00} for XX/XX/year>XXXX  as that was the max amount I could pay on the total balance before filing bankruptcy, leaving a balance {$440.00}. The account had always been paid in full and had two active payment plans for XXXX  bill. The account was never intended to be included in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CT

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete this fraudulent item in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX showing on my credit report. I therefore request that you immediately remove this item from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-12 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: MD

Complaint narrative:
I opened a credit card account with XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX, XXXX  XXXX acknowledged by excellent credit history and offered me an upgrade from my product ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Other than charging me a much higher annual fee, everything including the account number stayed the same. 

They continued to accurately report the age of my account as XXXX XXXX until this summer, when they started reporting my account as opened in XX/XX/XXXX. 

This reduced my credit score because the length of account id important for lenders to see. 

However, this was the EXACT SAME ACCOUNT and just an upgraded product. My account should continue to reflect that it has been open and paid as agreed ( with {$0.00} balance and $ XXXX available credit ) with ACCOUNT LENGTH 4y 11mo. 

XXXX XXXX XXXX  and XXXX XXXX agrees, but forced me to write to their FRCA to make the change, even though this was their error. I requested a reasonable accommodation under XXXX, especially because so much work was required for me to fix THEIR error. 

I sent all of the evidence of the length of my account and keep telling me they will update my account information with all credit bureaus as recently as XX/XX/XXXX, yet have failed for months to do so. 

I have suffered direct damages for a falsely lowered FICO score with all three credit bureaus which has resulted in {$16000.00} in interest charges from XXXX and other loan agencies and was even denied an increase in credit line for this top tier product because of their own mistake. Evidence is attached and request CPRB compel XXXX XXXX to update my account length of account open to 4y 11mo since the account is the same and the product was simply upgraded at their request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-11-12 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit report. These accounts are not mine, and I believe my personal information has been compromised. 

Below are the details of the accounts in question : 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 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  I have never opened any of these accounts, and I believe they are the result of identity theft or fraud. I have already contacted the respective creditors and credit reporting agencies to report the fraud, but I am seeking your assistance in resolving this issue and ensuring that these fraudulent accounts are removed from my credit report. 

Actions I have already taken : I have filed a fraud report with all major credit bureaus ( XXXX, XXXX, and TransUnion ). 
I have placed a fraud alert on my credit file. 
I have requested copies of my credit report to identify any additional fraudulent accounts. 
I have contacted the relevant creditors to dispute these accounts. 
I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit report. These accounts are not mine, and I believe my personal information has been compromised. 

Below are the details of the accounts in question : 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 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 I have never opened any of these accounts, and I believe they are the result of identity theft or fraud. I have already contacted the respective creditors and credit reporting agencies to report the fraud, but I am seeking your assistance in resolving this issue and ensuring that these fraudulent accounts are removed from my credit report. 

Actions I have already taken : I have filed a fraud report with all major credit bureaus ( Equifax, XXXX, and XXXX ). 
I have placed a fraud alert on my credit file. 
I have requested copies of my credit report to identify any additional fraudulent accounts. 
I have contacted the relevant creditors to dispute these accounts. 
I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which qualifies as XXXX under the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12 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: NY

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the account to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 



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 explanation