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: NCB Management Services Inc.
State: TX

Complaint narrative:
Hello, I am writing to follow up on my previous correspondence regarding the debt that I am disputing. I would like to provide additional information and formally request the removal of this fraudulent debt from my records. 

The debt in question is associated with a co-signer whom I do not know, and I did not authorize any transaction or agreement related to this debt. My personal information has been used fraudulently, and the details of this debt do not match my records in any way. 

I have taken the following steps to address this issue : XXXX. I have filed a dispute with the credit reporting agencies, providing them with evidence that this debt is not mine. 
XXXX. I have reported the fraudulent activity to the Federal Trade Commission ( FTC ) and have created an identity theft recovery plan. 
XXXX. I have documented all communications with the creditor and the credit reporting agencies. 

Given the circumstances, I kindly request that you assist me in removing this fraudulent debt from my credit report and any related records. I appreciate your attention to this matter and look forward to your prompt 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: MA

Complaint narrative:
I've identified several discrepancies in my credit report 's billing section, showing late payments that are inconsistent with my payment record. Please correct these immediately.

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: NY

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX  party, which is untrue. The disputes were filed by me directly. I even called them to confirm my identity, but they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to fail to thoroughly investigate the 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 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 status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Account Information : Creditor : Midland Credit Account Number : XXXX Account Number : XXXX Complaint : I am writing regarding the Midland Credit account XXXX above. Please note that I am not disputing this account. However, I am requesting that Midland Credit provide a written response to clarify the following specific information associated with this account : First Date of Delinquency Date of Last Payment Date of Charge-Off This information is critical for my personal records and financial planning. Additionally, if Midland Credit can not provide a response to these requests in writing, I respectfully ask that the account be removed from my credit report, as its presence is causing financial injury by adversely affecting my creditworthiness.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Date opened XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account number # XXXX XXXX Account number # XXXX this is the result of identity theft and fraud, remove all listed inquires and accounts within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( XXXX ) proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB, Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX I am writing to dispute inaccuracies in my credit report regarding the above-referenced account. Upon review, I have identified the following discrepancies between the information provided by XXXX and Equifax. These discrepancies constitute violations of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported. 

Inaccuracies Identified High Balance XXXX reports {$12000.00}. 
Equifax reports {$0.00}. 

Date of Last Activity ( XXXX ) XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 

Date Reported XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 

Last Payment Date XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 

Term Length XXXX  reports 48 months. 
Equifax does not report a term length ( blank ). 


Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracies Identified Date of Last Activity ( XXXX ) XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX Date Reported XXXX reports XX/XX/XXXX Equifax reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX Last Payment Date XXXX reports XXXX/XXXX/XXXX. 
Equifax reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Legal Justification These inaccuracies demonstrate non-compliance with 15 U.S. Code 1681s2, which requires the furnisher to provide only accurate and verifiable information to credit reporting agencies. The discrepancies between XXXX and Equifax make the data unverifiable and misleading.

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 information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear CFPB, Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX I am writing to dispute inaccuracies in my credit report regarding the above-referenced account. Upon review, I have identified the following discrepancies between the information provided by Experian and XXXX. These discrepancies constitute violations of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported. 

Inaccuracies Identified High Balance Experian reports {$12000.00}. 
XXXX reports {$0.00}. 

Date of Last Activity ( XXXX ) Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Date Reported Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Last Payment Date Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Term Length Experian reports 48 months. 
XXXX does not report a term length ( blank ). 


Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracies Identified Date of Last Activity ( XXXX ) Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX Date Reported Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX Last Payment Date Experian reports XXXX/XXXX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Legal Justification These inaccuracies demonstrate non-compliance with 15 U.S. Code 1681s2, which requires the furnisher to provide only accurate and verifiable information to credit reporting agencies. The discrepancies between Experian and XXXX make the data unverifiable and misleading.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
I sent money to an outside exchange company that I got scammed by that will be another complaint that XXXX start next. 

XXXX is holding on to my money and crypto because I sent money to an exchange company that I later found out was a scam. I sent them all of the information they asked for. The reps cant speak proper XXXX so how are they understanding what Im telling them. Also, they keep sending the same messages over and over with a case number that is immediately closed out so XXXX cant get in contact on the number they provide in the emails. Everytime they contact me its a new case number because they are closing them each time so no one can call them back. Now they are saying that my account will be closed immediately. I feel that these people with XXXX are scammers. My account was never compromised. I got scammed outside of XXXX but theyre treating it as if my account got hacked and it didnt! Its them playing games with my account and sending me links to enter passwords as if I dont know its them. I recorded XXXX conversation to catch them in the act of hanging up on me. They will call to ask XXXX questions then hang up on me. It happened XXXX time then they stop calling back. XXXX IS TRASH and they use those foreigners to do wok who barely speak proper XXXX so how can they relate to anyone in the XXXX! That company is trash. My money is just sitting there as they waiting for me to sell my XXXX XXXX XXXX I will NOT and they better not touch it. 

They restricted my account because I sent money from my wallet it doesnt matter if I got scammed or not from the transaction. It was me who sent it! Theyre doing way too much with a lack of information because they wont listen.

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: MI

Complaint narrative:
My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am XXXX XXXX XXXX, a XXXX man, who is a living soul, a lender and not a borrower. i am coming on behalf of the XXXX XXXX XXXX, Estate. After completing my own investigation, i have discovered that i was not given full disclosure about the true cost of the credit and the options afforded to me as a consumer. Navy Federal Credit Union willfully failed to provide all of the following, including but not limited to : Full Disclosure, The true determination of the finance charge, Important material disclosures, The true source of the funds, The right to rescind and rescission forms ( clearly and conspicuously ). As a result, i made an uninformed decision due to false and misleading information that was given to me by agents at Navy Federal Credit Union. The Consumer Credit Protection Act outlines ALL of my consumer rights and protections that you are obligated to abide by when engaging in business with me. Unfortunately, as an organization who should have reason to know, the entire staff is operating under colorable law and as a result i am being violated and suffering. By the power and authority of XXXX, who is in heaven, this transaction is hereby rescinded ab initio. This rescission is in accordance with the rules for rescission under the Truth in Lending Act under Title 15 of the U.S. Code and Title 12 of the Code of Federal Regulations. i am ordering that the full amount of the electronic funds transfer be returned to me via ACH, the transaction removed from my credit reports, and that the property will be retained due to actual damages caused to me since the inception of the credit plan. See attached notice.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name, address, date of birth, and Social Security Number ( SSN ). These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. Specifically, I request that the following incorrect information be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To ensure my credit report reflects accurate and up-to-date information , I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX Date of Birth XXXX XX/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 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am reporting a debt collection issue involving XXXX XXXX and Midland Credit Management. The original creditor sold my debt to a third-party agency but failed to issue me the IRS form 1099 C for canceled or forgiven portion of the debt as required under the IRS. I have made attempts to resolve this matter directly with the original credit and the collection agency. The failure to provide this documentation has left me uncertain about my potential tax obligations and my legal rights regarding the debt. I also never signed anything with Midland Credit so Im unsure of how they attained my information.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit report contains inaccurate billing information showing late payments, which is not representative of my usual timely payments. Please update my credit report accordingly.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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 : XXXX  XXXX 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 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: EQUIFAX, INC.
State: TX

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 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: Experian Information Solutions Inc.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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