vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I XXXX XXXX reviewed my credit report and found the following items to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's 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 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. 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

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 2024-10-04 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: NC

Complaint narrative:
I am urgently writing to inform you that I have been the victim of identity theft, leading to numerous fraudulent entries on my credit report. These accounts and inquiries were added without my consent, and I demand immediate action to rectify this situation. 

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 I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and require the immediate removal XXXX XXXX XXXX items. This is critical to restoring the accuracy of 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 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Navy Federal Credit Union XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Summary of Issue : I am filing a complaint against XXXX XXXX XXXX XXXX XXXX, as the company falsely claimed that there was a legal judgment against me regarding a debt they are attempting to collect. On XX/XX/XXXX and XX/XX/XXXX, the representative stated there was a pending legal notice and judgment, which I later confirmed was not true. This was a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is illegal to misrepresent legal action or threaten consumers with non-existent judgments. 

Details of the Complaint : Harassment and False Claims : The company contacted me multiple times within days and falsely claimed a judgment existed, using this as a scare tactic to pressure me into paying the debt. They even sent me a payment plan asking for my credit card information and stated that if my information was not entered by the end of the day, they would send my file to the legal department and that there would be " nothing I can do to fix the situation since there was a judgment to garnish my wages. '' Failure to Provide Documentation : When asked for proof of the judgment, legal notice, and original debt documentation, the representative refused to provide any legal documentation beyond a payment arrangement. He kept stating that " I sounded like I didn't want to pay my debt and he would let legal follow through with the garnishment. '' Outcome with XXXX  : I have already filed a complaint with the XXXX XXXX XXXX ( XXXX  ). Following my complaint, XXXX XXXX XXXX, XXXX admitted to troubling account handling and placed the account in cease-and-desist status. However, they still have not resolved the issue or provided adequate proof of the legitimacy of the debt. 

Request for Action : I am requesting the CFPB or FTC investigate the deceptive practices of XXXX XXXX XXXX, XXXX and take appropriate action to ensure that they adhere to the legal requirements for debt collection and reporting. I would like confirmation that this debt will be removed from my credit report if they can not provide legitimate documentation or proof of the judgment, they claimed existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan # XXXX CD # XXXX XX/XX/year> late payment {$35.00} I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months.

I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your prompt attention, time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Six count Federal, no statute of limitations SEE MY WEBSITE XXXX  : XXXX XXXX  : XXXX XXXX and Navient I have four borrower defense cases with the United States Department of Education against both of these lenders and the games that they have played with my information ( OBSESSED ID THEFT ) down to preventing me from getting my masters degree. Ive applied at several schools. They accept me and then turn around and compromise my ability to attend and slap me with all kinds of loans that were never paid to me, and now I cant even attempt to even attend any college because theyve done so much damage to my credit report theyve done so much damage to my identity. Its been all this internal ID theft, and they will not do anything right XXXX XXXX XXXX XXXX XXXX } | XXXX XXXX XXXX ( since XXXX ) { XXXX BIZ Days to BLOCK ( SENT XX/XX/XXXX, still not done ) } https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX XXXX XXXX Credit Bureau_XXXX XXXX XXXX_ XXXX Business Days to BLOCK | https : XXXX SWORN XXXX XXXX XXXX  XXXXLOST WAGES since XXXX COMPENSATION https : XXXX https : XXXXXXXX XXXX XXXX XXXX XXXX  COMPENSATION_XXXX XXXX XXXX since XXXX XXXX  : XXXX https : XXXX? usp=drivesdk XXXX thru PRESENT TEXAS FBI TERRORISM AGENT XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXXXXXX XXXX TOO BIG TO UPLOAD => SCHOOLS INVOLVED ( XXXX XXXX  OF NC XXXX XXXX, XXXX UNIVERSITY XXXX, XXXX, XXXX UNIVERSITY, XXXX, XXXX XXXX XXXX XXXX thru XXXX XXXX SHERIFF XXXX XXXX  XXXX XXXX ID THEFT_XXXX XXXXXXXX XXXX CORPORATE FINANCIAL FRAUDXXXX ACCOUNT THEFT_INTERNAL BANK ROBBERY AGAINST XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX | XXXX XXXX XXXX, XXXX & XXXX DEPT OF EDUCATION | TERRORISM BUST | US DEPT OF TREASURT | FEDERAL CORPORATE FINANCIAL FRAUD | XXXX & ALL CRYPTOCURRENCIES https : XXXX? XXXX FEDERAL OMBUDSMAN | BORROWER DEFENSE CASES | US DEPT OF EDUCATION | NELNET  Studet loans https : XXXX? XXXX XXXX XXXX XXXX XXXX  XXXX TO XXXX ALL XXXX https XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX ( XXXX XXXX ATTORNEYS ) https : XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been attempting to rectify an issue with all three credit bureaus regarding inaccurate information about my bankruptcy. Despite multiple requests and a certified letter from the bankruptcy court confirming that the information they received was not from the courts, they have continued to report this inaccurate information on my credit report. This is a clear violation of the Fair Credit Reporting Act, which stipulates that the information on a credit report must be correct and accurate. If this misinformation is not removed within 30 days, I will have no choice but to file a lawsuit. 

also, any information related to the bankruptcy to be removed from the report as well any accounts also discharge need to be removed with this inaccurate information within the 30 days before I file lawsuits

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 2024-10-04 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: U.S. BANCORP
State: NV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MUST BE DELETED IMIDIETLY, PLEASE DELETE ASAP I HAVE NEVER HAD ANY ACCOUNT LIKE THOSE.

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 2024-10-04 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: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-04 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: AZ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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