vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

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 2024-05-08 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:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-05-08 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:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

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 2024-05-08 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed for a XXXX XXXX XXXX which was XXXX in XXXX. Ever since then Ive been red flagged in the system because in multiple denial letters Ive caused NFCU a loss The debt with NFCU was settled during the XXXX XXXX XXXX. In XXXX when I purchased a home NFCU was still reporting is and I asked them to remove it and they did. Ever since then Ive been denied because the red flag on my account means automatic denial of any loans or credit applications. My checking and savings accounts were never closed during the XXXX. Ive XXXX been denied a loan with a XXXX XXXX XXXX in XXXX. I have asked them to remove the flag off my account and they said they could not. I was given a fresh start checking account and now have XXXX checking accounts. I recently applied for a SECURED credit card and was still denied. The denial letter states once again that I caused NFCU a loss and my only source of income is public assistance. My source of income is 100 % XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) .NFCU being a military bank should not use my XXXX XXXX as a reason for denial. XXXX years later they still hold it against me even though it is not on my credit report and on the website it says they understand people have hardships and they help people rebuild their credit. There are other members that have had XXXX with NFCU included in it and after discharge were able to get loans and credit cards. Using my XXXX as part of the reason for denial is unfair and other members have been given second chances. Ive called and asked them to remove the red flag on my account and they would not. I feel discriminated because other members are given second chances and not me. And they are discriminating because I am XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
Kindly update my account and remove the inaccurate late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I moved and have been trying to get my vehicle registered in the new state, XXXX 
I started the out of state registration process in XX/XX/XXXX with GM Financial and I have requested the vehicle 's title to be sent to the XXXX multiple times. 
In XX/XX/XXXX, I contacted GM Fincncial to confirm if the vehicle 's title was sent to the XXXX. GM Financial said the state of XXXX takes a long time to process so I was told to wait another couple of weeks. XXXX weeks later I called again, GM Financial told me they've sent it via fax but XXXX didn't receive it so I asked again to resend. GM Financial said they would resend it via fax and mail. The following week, I was told that XXXX couldn't accept a copy ( fax ), and they haven't received a mail, I called GM Financial to notify that it couldn't be sent via fax. Then GM Financial told me that there was no record of the title being sent out. Now, in XXXX, nothing has happened. I called and was told that GM Financial didn't have my new name after I got married in XXXX which I sent the marriage certificate and completed name change request. I resent the marriage certificate and did the name change AGAIN. XXXX and XXXX I spoke with multiple customer service agents, every time I was told it was taking time because of my name change, there is no record about out of state registration in my account, or they sent it by mail so they couldn't help. 
On XX/XX/XXXX, I requested to send the vehicle 's title via XXXX with a tracking number instead of regular mail. I was promised that by the following week XX/XX/XXXX, when I call back, GM Financial would be able to give me a tracking number. Called on the XXXX. I wad told that there was no information about tracking number but it showed they mailed it out in the past. I AGAIN requested to send it out with a tracking number to the XXXX. Confirmed the address. I was promised I would receive a call from GM Financial by today XX/XX/XXXX the latest. No call. Called GM Fincncial and put on hold for about XXXX minutes, and then the line was disconnected. I don't know what else to do. I have a vehicle I haven't been able to drive for over 6 months and it's not going anywhere. Is it possible for you to help me? 
Anything would be helpful. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
BANK XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid off my balance due and closed my account on XX/XX/year>. I have since been charged for a " minimum finance charge '' and subsequent late fees, after closing the account. When I contacted the company to ask how that was possible when I had paid off the balance and closed the account, the customer service manager literally told me that I had not " asked about the finance charges I owed ''. It's absolutely ridiculous for a person not to be told the TOTAL amount they owe when trying to close an account and then being charged afterwards for finance charges and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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: PA

Complaint narrative:
I am writing to urgently address the ongoing issue of inaccurate negative accounts on my credit report. Despite multiple challenges and requests for removal, these items persist, causing significant harm to my creditworthiness and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: PA

Complaint narrative:
I am writing to urgently address the ongoing issue of inaccurate negative accounts on my credit report. Despite multiple challenges and requests for removal, these items persist, causing significant harm to my creditworthiness and financial opportunities.

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 2024-05-08 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: IL

Complaint narrative:
FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.

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 2024-05-08 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: WI

Complaint narrative:
Did not consent to unauthorized items the items was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XX/XX/2022

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 2024-05-08 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: MD

Complaint narrative:
I have been disputing these items thats on my credit profile for the last year. Some how my father accounts are reporting to my profile. XXXX XXXX XXXX XXXX and im XXXX XXXX the XXXX. The accounts listed below do not belong to me. 

XXXX. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have consistently made timely payments on this account, ensuring they are never overdue. I am uncertain about the reasons for the reported late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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.

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 explanation
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, amounts, and dates.

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 2024-05-08 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: CO

Complaint narrative:
This is NOT a duplicate complaint. I need the intervention of the CFPB like I've asked for in complaint XXXX and also referenced complaint XXXX. 

TransUnion has been completely incompetent in handling a dispute that I have as well as not letting me look at my credit report online. Transunion started a case number XXXX  XXXX on XX/XX/year> due to me not being able to view my credit report on Transunion.com. It was supposed to be resolved within 72 hours and it is still not fixed. When I call their number I can only get to offshore call centers where the associates are not only rude but have no option of transferring me to the United States. I DO NOT WANT OR CONSENT TO OFFSHORE ENTITIES HAVING MY PERSONAL INFORMATION AND SOCIAL SECURITY NUMBER!!! 

Furthermore I disputed a fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX  ) with TransUnion and they just write the account off as verified. This account was not opened by me. I asked them for proof of verification and I got nothing back. I don't know what to do. If TransUnion truly believes this is my account then I demand the following. 

Detailed reports of : Proof of Method of Verification disclosing their investigation of this fraudulent account. 
Detailed proof of the date the account went into collections. 
Detailed proof on how you came to believe that it was me who opened this account supported by factual evidence. 

If this information isn't provided I would like the names, business addresses, and business contact numbers of the individuals involved in this investigation so I can have my lawyer issue subpoenas to appear in the federal U.S District Court of Colorado.

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 2024-05-08 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: GA

Complaint narrative:
ATTN : EXPERIAN, XXXX, XXXX, XXXX RE : Debt Validation Required XX/XX/2024 To Whom It May Concern, I am requesting debt validation for items listed on my Credit report as " Derogatory '' and in " Collections '' Item in Question : XXXX XXXX Amount : {$2900.00} Account status : Derogatory Remarks : Collection Account Account information disputed by consumer, meets FCRA requirements DISPUTE : NOT LIABLE Obtain and provide a copy of a wet signature on a contract or document that holds me responsible for this alleged debt along with the identification documents used to validate this debt liability. 
Send this information to my address listed in the CFPB filing and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report completely. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address in this filing. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 

Sincerely, 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