vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX - All Late payments Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between the company and myself

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

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX - All Late payments Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between the company and myself

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 2024-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, AZ XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Dear Experian Dispute Department, I am writing to formally dispute several inaccuracies on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to ensure maximum possible accuracy of the information included in consumer reports and promptly investigate disputes. 

Despite multiple attempts on my part to have these inaccuracies corrected, the following accounts on my credit report remain incorrect and unresolved : 1. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX 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 Each of these accounts contains inaccurate or incomplete information. I demand that Experian correct or remove these entries to ensure my credit report is fair, accurate, and substantiated as required by federal law. 

Failure to address these inaccuracies within the legally mandated timeframe will leave me no choice but to pursue monetary damages for each inaccurate account that remains on my report. 

Please send me written confirmation when these corrections are completed, along with an updated copy of my credit report. 

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
Consumer complaint received 2024-11-11 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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

Complaint narrative:
After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed.

Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX  Balance : {$3400.00}

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 2024-11-11 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and credit

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 2024-11-11 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and credit

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 2024-11-11 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:
Unauthoried accounts on credit report XXXX. ) Unauthrized XXXX XXXX XXXX XXXXXXXX orginal creditor XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX amount of {$680.00} XXXX. ) Unauthorized XXXX XXXX XXXX XXXXXXXX orginal creditor XXXX XXXX  XXXX, Opened XXXX XXXX, XXXX {$680.00} XXXX. ) Unauthorized XXXXXXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX {$680.00} XXXX. ) Unauthorized XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX, Opened XX/XX/XXXX {$680.00} XXXX, ) Unauthorized XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXXXXXX XXXX, Opened XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Send written information and correct amount to the address posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: MS

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have requested, on numerous occasions, that Santander provide me with a copy of the Form 1099-C to clarify any tax obligations related to this charge-off, but I have not received it. If Santander charged off the debt and filed it with the IRS on a 1099-C, I am unsure how they can sell the charged-off debt to a company like XXXX XXXX  to attempt to collect on it. This situation has caused significant confusion, and I am requesting clarification on how this debt can be sold after being charged off and reported to the IRS.

I am seeking your help in obtaining the required
1099-C or resolving this reporting issue with Santander so that my credit report accurately reflects the status of this account. Additionally, Santander should clarify how they are allowed to sell this debt after it has been charged off and reported for tax purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I had an account with navy federal credit union for XXXX to XXXX I stopped receiving check to the account because every time I looked I was in the overdraft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XXXX separate occasions, I requested that the collection agency reporting this debt to the credit bureaus provide documents verifying that the debt is mine. They were asked to supply proof and documentation of how they acquired this debt, including a copy of the bill of sale related to this specific debt they are trying to collect. Despite my requests, the collector continues to report interest fees to the credit bureaus every other week, yet I have not received any documents explaining how these fees are calculated or the agreement I purportedly signed regarding these collection fees. 

On XXXX different occasions, I have sent letters to the collection agency, and the only document they have provided is a copy of my expired lease. While this document confirms that I resided at the address in question, it does not prove that I owe the debt. I also asked the collector to provide evidence of the statute of limitations and to confirm that they are licensed to collect debt in my state. The original creditor never notified me of this debt. This debt collector has refused to respond to my demands to provide the necessary legal documents to verify this debt. They are unable to validate the debt in any respect and are violating my rights and the law. 

I have attached a copy of the email response that I received as debt validation from the debt collector. A copy of my expired lease which proved that I live at the apartment, but not that I owe the allege debt.

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

Complaint narrative:
XXXX and XXXX. have. been paid off. Please update my credit report. Both account have been write off see IRS. 1099c The collection XXXX XXXX acct XXXX for $ XXXX-listed on my credit report is fraud. please delete under 15 USC 1681 A XXXX was previously removed. please delete them off all my credit reports.

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 2024-11-11 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: CA

Complaint narrative:
XXXX and XXXX. have. been paid off. Please update my credit report. Both account have been write off see IRS. 1099c The collection XXXX XXXX acct XXXX for $ XXXX-listed on my credit report is fraud. please delete under 15 USC 1681 A XXXX was previously removed. please delete them off all my credit reports.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There has been many times were Navy Federal has shown i had enough money in my account to afford certain things. I would go and purchase items and somehow my account is negative and I get charged so many overdraft fees. This has happened on my credit card and debit card. Recently, it happened about XXXX weeks ago, but Ive been dealing with this problem since XXXX  which is when Ive joined navy federal. I screenshotted my account for evidence and cropped my name and account information out of course, but its just for reference. Its ridiculous and it causes many of my peers stress.

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 2024-11-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2024-11-11 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:
Re : Request for Removal of Inaccurate Negative Reporting Information and Update of Credit Score I am submitting this dispute request to the removal of inaccurate negative reporting information from my credit report held by XXXX, as well as the prompt update of my credit scores with the correct and current information in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified several inaccuracies that are negatively impacting my credit score and financial standing. The discrepancies include reporting false information on a XXXX account ending in XXXX ( PLEASE SEE XXXX XXXX LETTER ) .The inaccuracies are misleading and do not reflect my true creditworthiness. 

Under the FCRA, I am entitled to have inaccurate information on my credit report corrected in a timely manner. I am hereby formally dispute the aforementioned inaccuracies and requesting that CFPB conduct a thorough investigation into these matters. 

I have enclosed supporting documentation [ if applicable ] that substantiates the inaccuracies in question. I kindly request that you investigate these discrepancies with the respective data furnishers and make the necessary corrections to ensure the accuracy of my credit report. 

Furthermore, I request that my credit score be updated promptly to reflect the corrected information. It is imperative that my creditworthiness be accurately represented to creditors and other entities that may access my credit report. 

I kindly ask for your cooperation and prompt attention to this matter, as timely resolution is crucial to my financial well-being. As per the FCRA, I expect to receive a written response detailing the results from the CFPB investigation and a revised copy of my credit report reflecting the necessary corrections. 

Thank you for your attention to this important matter. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX

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

Complaint narrative:
ON XXXX I FILED A FTC REPORT NUMBER XXXX ; ALSO WITH THE CFPB. THE ACCOUNT CAME BACK AS VERIFIED. HOWEVER VALIDATION OF THISDEBT WAS NOT PROVIDED AS REQIRED BY 15 USC 1692g VALIDATION OF DEBT. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXXXXXX XXXX XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Section 2102 of the California Financial Code states that if I want a refund and do not receive one that I am entitled to my money back plus penalty of up to {$1000.00} and attorney fees for you guys cashing my check taking your withdrawal out and then closing my account stealing my money is what one of your employees said. They said they cant do anything and yall are keeping my money which is pure highway robbery.I have disputed this transaction you guys locked me out of my account where I can still log in because I have an account still at this bank. 

I will take this to court if I have to for all the pain and suffering I am going through. My XXXX  XXXX  has declined because of this because Im homeless and this XXXX dollar company stole my money from me my insurance check and nobody ever does anything because the company is so well off, but I refuse to lose my sanity over this I will fight until I cant fight anymore because you guys broke several laws and also rules of your own all for a quick buck.

Company response to consumer: Closed with explanation