vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
today XX/XX/XXXX i was the victim off a robbery where i was stripped of all my documents and banking information. Because of this, i decided to review my credit report and i noticed some inquiries that were made without my consent. i appreciate your help in removing this from my records. 

the inquiries are as follows : XXXX. XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX lend XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I sent a {$270.00} payment to XXXX XXXX XXXX from my checking account at Mountain America Credit Union via Bill-Pay XXXX XXXX XXXX. The {$270.00} was withdrawn from my checking account on XXXX. The bill was due by XXXX XXXX. I was notified via email from XXXX on XX/XX/XXXX that they hadn't received the payment and there is now a $ {$55.00} penalty. I brought them a copy of my bank statement showing the withdwaral to no avail. They said they never received the payment. I called MACU and explained the details to their agent ; XXXX XXXX XXXX. He said the bill-pay is handled through a third party and he couldn't do anything to have the 3rd party investigate. He finally told me the name of the 3rd party ; XXXX XXXX. As this company only deals with businesses i couldn't get in touch with anyone there. XXXX XXXX said he coud stop payment on the check, however if he did that XXXX XXXX XXXX would still charge me a 20 % penalty as they claim they weren't paid by XXXX XXXX. As MACU provides Bill=Pay for their customers they should be held accountable for any occurrences!

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act convergent account National Commercial services has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act convergent account National Commercial services has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It XXXX Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the removal of several hard inquiries from my credit report that I do not recognize or authorize. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Given that these inquiries were neither approved nor consented to by me, I am disputing their legitimacy and requesting immediate action for removal. 

Unauthorized Hard Inquiries : Bank XXXX XXXX - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Removal Request : According to the FCRA, only authorized and accurate XXXX should be reported on an individual 's credit report. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency XXXX only furnish a consumer report if it has a permissible purpose, which includes instances where the consumer has authorized the inquiry or initiated a transaction. In this case, I have neither authorized these inquiries nor initiated any transactions with the entities listed above. 

Additionally, FCRA 609 ( a ) ( 1 ) entitles me to know the purpose and parties involved in any credit-related transactions or inquiries. Since I did not consent to these inquiries, they violate my rights under this statute. Case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), establishes that credit reporting agencies are responsible for maintaining the accuracy of consumer reports and must take prompt action to investigate and correct inaccuracies once notified.

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 2024-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It XXXX Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the removal of several hard inquiries from my credit report that I do not recognize or authorize. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Given that these inquiries were neither approved nor consented to by me, I am disputing their legitimacy and requesting immediate action for removal. 

Unauthorized Hard Inquiries : Bank XXXX XXXX - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Removal Request : According to the FCRA, only authorized and accurate XXXX should be reported on an individual 's credit report. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency XXXX only furnish a consumer report if it has a permissible purpose, which includes instances where the consumer has authorized the inquiry or initiated a transaction. In this case, I have neither authorized these inquiries nor initiated any transactions with the entities listed above. 

Additionally, FCRA 609 ( a ) ( 1 ) entitles me to know the purpose and parties involved in any credit-related transactions or inquiries. Since I did not consent to these inquiries, they violate my rights under this statute. Case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), establishes that credit reporting agencies are responsible for maintaining the accuracy of consumer reports and must take prompt action to investigate and correct inaccuracies once notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All transactions and charges on this account are fraudulent. I never benefited from any of these transactions. I need these fraudulent transactions to be removed from my credit report to prevent further fraudulent activity of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required XXXX window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXXXXX this is the account XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausXXXX, Equifax, and XXXX. Specifically, the inaccuracies include : Inaccurate account opening dates Inaccurate reporting dates Inaccurate balances Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report. 
Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My federal student loan was XXXX due to XXXX XXXX XXXX  XXXX ( XXXX ) as of XX/XX/year>. I informed the credit bureaus Transunion, XXXX, XXXX and the loan servicer XXXX, and sent them all a copy of the XXXX Department of Education discharge letter. The credit bureau will not change the status of my student loan accounts and they will not close the accounts. They closed my disputes with no action. Totally ignored the evidence and request and gave no reason why the disputes were not resolved or honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My federal student loan was discharged due to XXXX and Permanent XXXX ( TPD ) as of XX/XX/2024. I informed the credit bureaus XXXX, Equifax, XXXX and the loan servicer XXXX, and sent them all a copy of the XXXX Department of Education discharge letter. The credit bureau will not change the status of my student loan accounts and they will not close the accounts. They closed my disputes with no action. Totally ignored the evidence and request and gave no reason why the disputes were not resolved or honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My federal student loan was discharged due to XXXX and Permanent XXXX ( TPD ) as of XX/XX/year>. I informed the credit bureaus XXXX, XXXX, Experian and the loan servicer XXXX, and sent them all a copy of the XXXX Department of Education discharge letter. The credit bureau will not change the status of my student loan accounts and they will not close the accounts. They closed my disputes with no action. Totally ignored the evidence and request and gave no reason why the disputes were not resolved or honored.

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 2024-11-13 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: CA

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance : $ 0-Charge off- XXXX XXXX XXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company is known for calling random numbers and trying to get Names and other information. They keep calling every day even when I have not debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Received paper work from A court XX/XX/year> Need to Show up for court XX/XX/year> Responsible for a debt that I don't know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been incredibly distressing to find out that I've fallen victim to identity theft. My personal information was misused, leading to unauthorized accounts and activities showing up on my credit reportaccounts that I had absolutely no connection to or knowledge of. Understanding the gravity of the situation, I took immediate action. Experian advised me to file a report with the Federal Trade Commission ( FTC ), which I promptly completed. I then sent this report, hoping to resolve the issues swiftly and remove the false items. Yet, despite these efforts, the fraudulent entries remain on my report, causing continued frustration and concern over the impact this could have on my credit and financial well-being.

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 2024-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Both my business account and the personal account would be charged an overdraft fee because the funds were not in the account but they were the funds would be taken out when the purchases were made and would be pending I would still be charged an overdraft fee

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 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of paid in full Account Dear Experian I am writing to formally dispute an account on my credit report under the reference number XXXX XXXX XXXX XXXXhis account is marked as paid in full, but I believe it should be removed in accordance with the fair credit reporting act ( FCRA ). 

The FCRA mandates that all information reported to credit bureaus must be accurate, complete, and up-to-date. While I fulfilled my obligation by paying this account in full, its continued presence on my credit report is misleading and does not accurately reflect my current credit situation. 


Given that this account no longer represents an outstanding obligation and considering its potential negative impact on my creditworthiness, I respectfully request that it be removed from my credit report.

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 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have collected 10 different phone numbers from them since XX/XX/year>. They also call from unknown numbers that I cant call back. They have been calling, at minimum, 5 times a day. When I asked about it, I was told it was an auto dialer system and they cant help the amount of calls Im getting in a day.

Company response to consumer: Closed with non-monetary relief