vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: Possible Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> I mailed letter to each one of these companies requesting that these accounts be closed and removed from my credit report. No actions have been taken, now I am requesting again that these accounts be removed from my credit report due to identity theft. 

Possible Financial Account Number : XXXX Balance Owed : {$170.00} XXXX XXXXXXXX XXXX Account Number : XXXX Balance Owed : {$250.00} XXXX XXXX Account Number : XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$42000.00} XXXX XXXX Account Number : XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$200.00} XXXX XXXX Account Number : XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$780.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Owed : {$84.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: DE

Complaint narrative:
I spoke with Equifax and requested the removal of several fraudulent accounts. Within minutes of my request, one of my account a that was in face accurate was removed and the fraudulent accounts still remain. I asked how was it at all possible to remove an accurate account in minutes and the other accounts that are in another name still remain and they said that they had to investigate the fraudulent accounts further. This made no sense. If this were the case, the account in my name would have remained as well. I have been fighting this battle with Equifax for months and it is clear that they do not abide by the FCRA Regulations and moving forward I will have to contact the attorney generals office. I provided all documents required to prove my identity and in fact that these accounts are in a different name and yet, they remove the accounts that are in my name and leave the fraudulent ones. I am demanding that these accounts be removed and my accurate account be reinstated. Furthermore, these fraudulent accounts were removed and then reinserted and I was told that this was an error and they would immediately be removed. I am very aware that the immediate removals are possible as my account was immediately removed so. I demand the same be done with the fraudulent accounts. Any account that is not is my accurate name is to be removed. Not accounts that look or sound like my name or close to it. No inaccuracies are to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed 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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
After My POA spoke with Navy Federal on my behalf and settled the account for XXXX and Navy Federal said they would remove all negative items, after receiving payment Navy Federal viciously started flagging my account with a bunch of negative stuff. I feel as tho they misrep and tricked my POA into paying. They were dishonest. Then there was an area that recently came up as settled, and then I saw where they entered a new message of '' settled for less than the debt '' which tells me they were upset and basically trashing me and letting people know I didn't pay the full amount. They may as well have just gave all the numbers because that's especially what they are doing when they are putting those comments on a consumer 's credit report, which is slanderous. I want it removed, it was in retaliation for filing the complaint.They removed and or reworded some of the slanderous stuff just recently except 1, indicating the account was paid after it was charged off and sent to collections, what in the world! If that is someone trying to get back at someone, what is! 

You told the CFPB you could not comment when my POA sent my original complaint in because it wasn't me, WELL now it's me so it looks like you need to come up with some answers on why you can't seem to keep your word and stop ripping off consumers and being dishonest. That seems to be the easy way out for you big companies '' Oh well it's not the account owner so we can't say anything '' I will make this public for the world to see so that they no the hidden danger within your organization. 

I ALSO WOULD LIKE MY ACCOUNT AUDITED AND I WOULD LIKE THE INFORMATION PROVIDED HERE AND IN MY EMAIL, I HAVE SEVERAL " OPPS '' CHARGED ON MY ACCOUNT THAT I DON'T BELIEVE ARE VALID, I WANT A COPY OF ALL OF THEM AND I WANT IT INVESTIGATED, YOU ARE NOT TRUST WORTHY AT THIS POINT. YOU HAVE ALSO DONE THE SAME TO MY POA AND DELETED INFO ON OF HER ACCOUNT IN AN ATTEMPT TO CLEAN UP YOUR MESS, IT IS ABSOLUTELY HORRIBLE. THERE WAS NO MISTAKE IN YOUR ACTIONS, IT WAS 100 % INTENTIONAL, RIGHT AFTER MY POA PAID YOU. 

YOU HAVE NO COMMENT BUT I SEE YOU MADE SOME CHANGES RIGHT AFTER MY POA FILED A COMPLAINT AGAINST YOU, SO LET 'S GET AN EXPLANATION AS TO WHY YOU TRICKED US INTO PAYING YOU AND THEN YOU TRASHED MY CREDIT I ALSO AGAIN WANT A COPY SHARED WITH CFPB AND MYSELF OF ALL '' OOPS '' CHARGES, I HAVE ALREADY REQUESTED THIS BUT HAVE YET TO GET THIS REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items,.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2024-11-27 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute and file complaint to AMERICAN EXPRESS for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX. The FTC report number related to this complaint XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 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: MA

Complaint narrative:
On my credit report from both TransUnion and XXXX it says I have a 30 days late payment on my XXXXXXXX XXXX XXXX from XX/XX/XXXX. I disputed the late payment ( with TransUnion and XXXX ) because on my bank statement I have a payment to the card on XX/XX/XXXX. ( My payment date each month is the XXXX. ) This means my card would've only been XXXX days late, not XXXX. Both agencies rejected my dispute. They then referred me to XXXX to ask them to change it but XXXX stated to me that I can't dispute it through them and I have to go back through the ratings agencies. On top of this the PDF of the dispute XXXX gave me was extremely hard to understand and was XXXX pages long, while TransUnion didn't even give me a file to review. Lastly, during XX/XX/XXXX I was switching banks and was starting a new job at the time which is the reasoning for the payment being slightly late in the first place.

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 2024-11-27 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: MA

Complaint narrative:
On my credit report from both XXXX and Equifax it says I have a 30 days late payment on my XXXXXXXX XXXX XXXX from XX/XX/XXXX. I disputed the late payment ( with XXXX and Equifax ) because on my bank statement I have a payment to the card on XX/XX/XXXX. ( My payment date each month is the XXXX. ) This means my card would've only been XXXX days late, not XXXX. Both agencies rejected my dispute. They then referred me to XXXX to ask them to change it but XXXX stated to me that I can't dispute it through them and I have to go back through the ratings agencies. On top of this the PDF of the dispute Equifax gave me was extremely hard to understand and was XXXX pages long, while XXXX didn't even give me a file to review. Lastly, during XX/XX/XXXX I was switching banks and was starting a new job at the time which is the reasoning for the payment being slightly late in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2024-11-27 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 have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX was obtained in my name XXXX. I was in the process of selling my home and was no longer living there. But the card was used in XXXX when I was living in XXXX  and not in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-11-27 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
For example, to decide whether a school discriminated against a person, XXXX often needs to reveal that persons name and other personal information to employees at that school to verify facts or get additional information. When XXXX does that, XXXX informs the employees that all forms of retaliation against that person and other individuals associated with the person are prohibited. XXXX may also reveal the persons name and personal information during interviews with witnesses and consultations with experts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Regional Office will contact you if it needs more information about your complaint. If you need to communicate with XXXX or submit additional information regarding your complaint, please do not reply to this message. Instead, please direct your correspondence to the above office. 

We recommend that you print a copy of this message and retain it for your records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-27 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: MO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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