vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XX/XX/year> Midland Credit Management contacted my and harassed her. They also threatened her by stating, your husband owes {$770.00} for credit one card that is in collection. Hes probably hiding this information from you and need to speak to him or else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-12-13 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: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-12-13 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: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-13 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: Atlanticus Services Corporation
State: OH

Complaint narrative:
I saw that a new credit card had been opened on my name while checking my credit score in XXXX XXXX XXXX. I contacted the credit card company ( Fortiva ), and was originally told that it was a mistake. Later, when late fees hit my credit I contacted the company again and began researching who had opened the account. It turns out that someone from a state i have never lived in had opened an account, likely through XXXX, and ordered over {$8000.00} of security equipment. I sent the credit card company all the information I had found, and they still made a judgement that I was at fault. Fortiva did not seem to do the slightest bit of inquiry past contacting XXXX, and accepting their conclusion that I was the responsible party. I was unable to get Fortiva to explain what exactly they based their judgement on, other than their belief that XXXX was telling the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-13 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: ME

Complaint narrative:
Pursuant to the FCRA, it is EXPERIANs duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN XXXX reporting XXXX inaccurate late payments for the XXXX account ending in XXXX. These include a " past due 30 days '' posted in XX/XX/XXXX and a " past due 30 days '' posted in XX/XX/XXXX. These are incorrect and supposed to be reported as CURRENT/TERMS MET. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination

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 2024-12-13 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 am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These items are fraudulent and resulted from a data breach. I did not authorize these accounts or inquiries, and they should be removed under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$350.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$500.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$660.00} XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-13 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: SC

Complaint narrative:
XXXX is a prior complaint attempting to delete an incorrect address from my credit report. I attempted to remove this because XXXX XXXX  was reporting it, and it is not my address, and I did not provide them with the address. XXXX XXXX got it from my credit report, it seems, but it was on there inaccurately to begin with. 

I have tried to dispute the address with Experian, but get the error they can not delete because it is being reported chase. I therefore sent the prior complaint, whwre chase says it can not remove information and that I had to contaxt experian. Experian responded and said they reached out to XXXX and the erroneous address is being deleted. 

Today, I reviewed the account and the address is still there. I tried AGAIN to remove it and it said it could not be removed because XXXX XXXX was reporting this as an address. 

I am getting fed up with this nonsense. It is a violation of the FCRA to report false information. Remove the inaccurate info immediately. If XXXX can not update or delete reported address info theunare furnishing to Experian, then someone needs to notify Experian. It is pretty shocking to me that XXXX would provide misleading information to a consumer in a CFPB response regarding what their role is as a furnisher of 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 explanation
Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, Equifax, and XXXX 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 XXXX XXXX XXXX XXXX with a balance of {$20000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$530.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX with a balance of {$1000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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 as proof from the US 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 explanation
Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX DOB : XX/XX/1978 Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, XXXX, and Experian 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 XXXX XXXX XXXX XXXX with a balance of {$20000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$530.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX with a balance of {$1000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Navy Federal Credit Union ( Navy Federal ) with the Consumer Financial Protection Bureau ( CFPB ). I believe that I have been unfairly denied the opportunity to reopen an account with Navy Federal despite resolving all previous financial obligations. 
In the past, my account with Navy Federal was closed due to allegations of fraudulent activity. While I do not agree with the characterization of my account activity as fraudulent ; I repaid the outstanding balance in full to resolve the matter. Despite fulfilling my financial obligations, Navy Federal has refused to allow me to open a new account. 
I have attempted to appeal this decision on at least XXXX occasions, all of which have been denied. 
The most recent appeal was in XX/XX/year>. On XXXX occasion during the appeal process, Navy Federal asked me to explain why I mishandled my previous account and to describe the steps I would take to ensure it would not happen again. I complied fully with their request, yet my appeal was still denied. This lack of consideration is disheartening and frustrating. 
As a veteran, it is deeply upsetting that I am unable to regain access to a benefit I earned and rightfully deserve, especially from an institution that promotes itself as veteran friendly. It is sad that I am being denied the ability to open a checking account, a fundamental banking service, despite resolving all past issues and following the appeal process as instructed. 
I am unable to understand how my account activity could have been deemed fraudulent if I was permitted to pay off the amount owed. Additionally, Navy Federal has not provided any clear explanation or documentation justifying their refusal to reopen my account. This lack of transparency and opportunity to resolve the situation has caused me significant frustration and inconvenience. 
The resolution I am seeking is to be allowed to open a checking account with Navy Federal again. I request that the CFPB investigate this matter to ensure that Navy Federal is acting in compliance with applicable laws and regulations. I also request assistance in obtaining a clear explanation from Navy Federal regarding their refusal to allow me to open a new account and a resolution to this matter. I'm really hurt by the fact that I am a Veteran ran into financial issues at XXXX point in life and now they refuse to give me a second chance. 
Thank you for your attention to this matter. I look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) ACTIONS TAKEN BY ME ( CONSUMER ) ALLEGED DEBT : {$900.00} DEBT DISPUTED I sent a demand letter via USPS Certified Mail, dated XX/XX/year>, requesting debt validation for the alleged debt associated from the collection agency and the building 's property manager. 

I received a response from the collection agency on XX/XX/year>, including an itemized statement. However, the statement lacks the necessary details to verify the accuracy of the debt. Additionally, my demand letter sent to the property manager via certified mail was returned. 

The collection agency 's first contact with me was on XX/XX/year>, it was a brief phone conversation. Because the collection representative abruptly ended ( disconnected ) the call, and did not follow-up with me to provided any documentation within the required five days after that phone call. Subsequently, the alleged debt was later reported to my credit report without providing me any debt notice or debtor 's rights notice to dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). 

The FCRA guarantees fairness, accuracy, and privacy in credit reporting. The lack of detailed information in the provided statement hinders my ability to verify its accuracy, and reporting the alleged debt without validation constitutes an invasion of my privacy. 

I have notified the credit reporting agency, and my account is currently marked " Dispute Under Review. '' No files will be uploaded due to the facts all documents sent by me contains personal information but will be furnished upon request.

Sincerely, The Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following accounts. 
XXXX XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$330.00}

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 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I am retired and on XXXX and I have paid on this loan forever and I would like very much to end all these ridiculous payments. My money is very restricted, and this is the most ridiculous and ruthless situation I have ever been in. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. These accounts were the result of unauthorized activity and should not appear on my credit file. 
Accounts : XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32000.00} XXXX. XXXXXXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$16000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32000.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2400.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$380.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$28000.00}

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