vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have multiple charges from a company that I made payments to that were unathorized. Some days, I was being charged XXXX times a day and I did not know until about a month later. When I reached out to Navy Federal to report the unathorized charges, they closed my disputes stating that since I had made a few payments to this company, they were not going to assist me in the matter. It is now XXXX months after I reported the issue and Navy Federal not only closed out my disputes for all the transactions they also reversed the credit on the XXXX transactions they gave me back. This resulted in over {$1000.00} dollars of charges that I did not authorize. I provided Navy Federal with proof of my transactions to the company, my full payment history including showing the payments I made using completely different cards. I also showed Navy Federal proof that I was unable to get in contact with anyone from the company for assistance I have not been able to get any remedy from Navy Federal or the company in question. If a consumer reports fraudulent/unauthorized charges, the company should not be able to just close out the case and tell the consumer " oh well, we won't help ''. 

These charges are as follows all from the same company XXXX XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} It is simply wrong for me to be responsible for these charges when I have proven they were not my charges authorized by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-25 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: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

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 2024-09-25 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: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

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 2024-09-25 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: NY

Complaint narrative:
Credit Control , LLC XXXX XXXX XXXX and collections has unlawfully purchased my information from XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX I have been in dispute for these accounts.Instead of XXXX XXXX providing me with validation of debts, they proceeded to sell my information without my consent. XXXX XXXX  informed me they are unable to provide validation because they DO NOT Have the proof I am asking for. This is now a legal matter and I will like Credit Control to cease all contact with me as they do not have my written or verbal consent. They are now threatening to tarnish my reputation via my consumer report and this is considered abusive practices. XXXX XXXX has now used this sale as a way to coerce payment and they are in violation of the FDCPA. I have not received any notice that XXXX XXXX XXXX was planning to sell my information again. This is misleading, identity theft, and I will be pursuing this with my attorney.

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/year> submitted initial dispute over wick.com in the amount of {$320.00}. XXXX charged my Apple Card an automatic renewal without my consent on a product I never received and had cancelled a year prior due to never being able to access what I had paid for. Provided emails from wicks.com proving that the charge should be reversed. 

XX/XX/year> Apple reapplied the charges and I again resubmitted the proof that I should not be charged. 

XX/XX/year> Apple reapplied the charges. I again submitted the proof that I should not be charged XX/XX/year> Apple again reapplied the charge. I again reached out and provided proof the charge should be removed and sent a letter via email. 

XX/XX/year> The charge was again reapplied. I again set proof it should be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
RE : Failure to reinvestigate in violation of the FCRA To whom it may concern : On XX/XX/year>, I mailed you a letter disputing inaccurate information resulting from identity theft contained in my consumer reports compiled, maintained, and published by you, allegedly concerning regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As per United States Postal Service and my records, you received my dispute letter along with my FTC Identity Theft report on XX/XX/year>. Accordingly, as per FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the XXXX period on the date on which you received my dispute letter. You received my dispute letter on XX/XX/year> along with my FTC Identity theft report along with my Identification, 605 B letter and my dispute letter. Therefore, your response were due on or by XX/XX/year>. Instead of sending me a response letter with the results of your investigation of the disputed information, you did not investigate my disputed information and never return my phone calls when I called to speak to someone about my disputed information. 
Clearly, you have willfully failed to investigate the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation altogether. XXXX and XXXX completed their investigation in the allotted period and deleted these items off my consumer report. However, your excuse, assumption and reasons as to why you did not investigate my dispute is not a valid reason under the FCRA to not investigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file per the FCRA. Your failure to investigate is an intentional and or negligent act and a FCRA violation. 
As a result of your conduct described above, you shall promptly delete the disputed information. Be advised this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. 
Within 14 days delete the disputed information as requested.

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 2024-09-25 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: TX

Complaint narrative:
I have discovered that the information being reported on my credit file by TransUnion, XXXX, and XXXX is inaccurate and has been wrongly verified as correct multiple times. This ongoing failure to correct the errors, despite clear evidence to the contrary, violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 623 ( a ) ( 1 ), which mandate that credit bureaus and data furnishers report only accurate information. 

I have attached documentation that irrefutably proves the errors, yet the bureaus continue to verify the information as accurate. This negligence is damaging my credit profile and is in violation of the FCRAs accuracy and investigation requirements. I demand that this inaccurate information be removed from my credit report immediately to reflect the truth. 

Please address this issue immediately, as continued misreporting will result in further violations of federal law.

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 2024-09-25 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: TX

Complaint narrative:
I have discovered that the information being reported on my credit file by XXXX, Experian, and XXXX is inaccurate and has been wrongly verified as correct multiple times. This ongoing failure to correct the errors, despite clear evidence to the contrary, violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 623 ( a ) ( 1 ), which mandate that credit bureaus and data furnishers report only accurate information. 

I have attached documentation that irrefutably proves the errors, yet the bureaus continue to verify the information as accurate. This negligence is damaging my credit profile and is in violation of the FCRAs accuracy and investigation requirements. I demand that this inaccurate information be removed from my credit report immediately to reflect the truth. 

Please address this issue immediately, as continued misreporting will result in further violations of federal law.

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 2024-09-25 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: TX

Complaint narrative:
I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. In my letters, I specified the accounts in question and outlined the violations being made against my consumer report. It has now been over 30 days, and I have not received a response. Attached are copies of all the letters I previously sent. 

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as " disputed. '' Additionally, FCRA 605 ( c ) has been violated, as the account is reporting the incorrect " date of last activity. '' It should reflect the last date a payment was made, not the date of the account 's last activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Company is reporting innacurate and unverificable information into my credit report. That account should be deleted from my credit report, its affecting my score.

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 2024-09-25 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: FL

Complaint narrative:
I am writing to formally request the correction and update of the payment history for an account with XXXX XXXX on my credit report. The current payment history displayed by Experian is inaccurate and inconsistent with the accurate reporting shown by XXXX. Specifically, XXXX has correctly displayed my payment history with accurate and timely information, reflecting compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Additionally, the account should be listed as Paid rather than Closed to accurately reflect the resolution of the balance, as this status better represents my responsible management of the account and positively impacts my credit profile. 

The FCRA emphasizes the importance of accurate reporting, and any deviations from the correct information can adversely affect my creditworthiness and overall consumer rights. Enclosed are detailed records showing XXXX accurate representation of my payment history, which I expect Experian to match to ensure compliance with federal regulations. I respectfully request the immediate adjustment of my payment history to align with XXXX reporting, as it reflects the true status of my account without discrepancies. 

Please consider this correspondence as a formal dispute under the FCRA, and I request confirmation once the necessary updates have been made. 

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 2024-09-25 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-25 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: MO

Complaint narrative:
Dear Sir or Madam : RE XXXX XXXX XXXX I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I was a victim of the XXXX XXXX XXXX. At no time did I apply for any credit products from XXXX. This account and any inquiries associated with this account as a result from the identity theft should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : 1 ) Identity Theft Report Proof of identity 2 ) a copy of my drivers license/other government-issued identification card/other ] 3 ) Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2024-09-25 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: TX

Complaint narrative:
I have discovered that the information being reported on my credit file by XXXX, XXXX, and Equifax is inaccurate and has been wrongly verified as correct multiple times. This ongoing failure to correct the errors, despite clear evidence to the contrary, violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 623 ( a ) ( 1 ), which mandate that credit bureaus and data furnishers report only accurate information. 

I have attached documentation that irrefutably proves the errors, yet the bureaus continue to verify the information as accurate. This negligence is damaging my credit profile and is in violation of the FCRAs accuracy and investigation requirements. I demand that this inaccurate information be removed from my credit report immediately to reflect the truth. 

Please address this issue immediately, as continued misreporting will result in further violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
The fraudulent, inaccurate, and misleading information on my consumer report persists despite my many attempts to address it. These false entries have severely impacted my life, causing major stress and anxiety. As an identity theft victim, I never authorized this information to be linked to my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
National credit adjusters llc sent me a copy of contract with first fin credit.i informed them that is not my signature on contract.why do they have this debt now? they refused to answer.reporting false info on my credit report.a violation of the fcra.i know my rights and if they can not 100 % validate this debt then they are in violation.i have no contract with national credit adjusters .when asked them to send me the contract i have oweing them they refused.therefore they are in violation.

Company response to consumer: Closed with explanation