vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the rules for collecting, distributing, and using consumer credit information are not properly followed. The FCRA requires consumer reporting agencies ( CRAs ) to use reasonable procedures to verify the accuracy of information in credit reports. If a consumer suffers harm due to an FCRA violation, they have the right to pursue legal action against the CRA, seeking compensation for actual damages, statutory damages, and attorney 's fees. The accounts listed in my letter contain inaccuracies, and I am requesting a thorough investigation into these errors.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX {$0.00} Late/Closed XXXXXXXX XXXX XXXX {$3400.00} Chargeoff XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Chargeoff XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Chargeoff XXXX XXXX XXXX {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} Late/Open XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$30000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$29000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$29000.00} Late/Open

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 2024-11-09 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 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 entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 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 XXXX business days. To following entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
This dispute is regarding payments that were marked late by XXXX XXXX  XXXX XXXX XXXX on the following date ( s ) : XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is a credit score and credit report company I do not like the way they get you to get a monthly fee to monitor your report but you got ta jump through hoops to be able to cancel the service. This is shady and I dont like they tried to hit my locked credit card for payment 25 times. This seems like a major ethics problem. Not right AT ALL. They should have a way to easily cancel when you choose to. That is all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Experian and XXXX Please delete the following accounts.XXXX. portfolio recovery {$10000.00}. XXXX XXXX XXXXXXXX {$660.00}. XXXX XXXX XXXXXXXX {$660.00} XXXX. XXXX {$2000.00}. XXXX. XXXX BANK XXXX {$4600.00} XXXX. XXXX XXXX {$66000.00} XXXX. XXXX XXXX {$66000.00}. XXXX. XXXX XXXX  {$5700.00} XXXX. XXXX {$10000.00}. XXXX. XXXX XXXX {$31000.00}. XXXX XXXX {$2200.00}. XXXX. XXXX {$560.00}. XXXX. XXXX XXXX {$3400.00}. XXXX. XXXX XXXX XXXX {$7000.00}. XXXX. XXXX {$500.00}. XXXX. XXXX {$720.00}. XXXX. XXXX {$1600.00}. XXXX. XXXX {$3700.00}. XXXX. XXXX {$690.00}. PLEASE REMOVE ALL THESE ACCOUNTS FROM MY REPORT PLEASE.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX  of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
Resurgent Capital Services received written notice from me on XX/XX/year> that I had no knowledge or verification of a debt they allege I owe. They have the wrong last name in the letters they send me. They have yet to furnish any proof of the debt. I have contacted the supposed original creditor, XXXX XXXX XXXX, twice to confirm I have no outstanding, negative, or charge-off accounts with them. I disputed this twice with all three bureaus and they will not change the information as they claim Resurgent has provided verification. Neither the credit bureaus or Resurgent have provided me with verification or proof of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Returned fees because they took too long to process

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 2024-11-09 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: FL

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the rules for collecting, distributing, and using consumer credit information are not properly followed. The FCRA requires consumer reporting agencies ( CRAs ) to use reasonable procedures to verify the accuracy of information in credit reports. If a consumer suffers harm due to an FCRA violation, they have the right to pursue legal action against the CRA, seeking compensation for actual damages, statutory damages, and attorney 's fees. The accounts listed in my letter contain inaccuracies, and I am requesting a thorough investigation into these errors.

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 2024-11-09 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XX/XX/year> under the XXXX account. These accounts have resulted in several fraudulent charge-offs, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I made a purchase on XXXX XXXX XXXX for concert tickets. I received a QR code from XXXX that DID NOT work. Ive been fighting this charge with Goldman Sachs for over two years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Greetings Agent, This COMMUNICATIONS is with Reference to the Alleged Contractual relationship, I have a right to an authenticated RECORD OF THE ACCOUNTING. I am not Paying anything, that I was not GIVEN the proper documentation for this DEBT. 
You REPORTED TO THE CREDIT AGENCY, THAT YOU HAVE WRITTEN ON THIS DEBT. BUT NEVER SENT ANYTHING TO PROVE YOU LOSS THE INCOME. You have a DUTY and or OBLIGATION to respond with appropriate information within the time frame allotted and or permitted by Law. Because this is associated with my rights applies respectively, The Fair Credit Reporting Act, The Fair DEBT Collection Act, The Truth In Lending Act, Penalties and Assessments and or Failure to Act or Failure to COMPLY with the STATUTORY Requirements, Please Be Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy federal declined to send the bill so it can be handled way before they claimed to have charged it off. I had no way to handle the bills of both credit card account due to them neglecting to send them to me. Now navy federal is claiming and reflecting on the credit report that they have charged off 2 credit cards. When I asked for the 1099c due to them charging off the credit cards. They declined to send me such information. I also know, that if they charged off the credit cards. Then they were suppose to send me a 1099c to go along with my taxes for the year. They are telling me that in order for them to send me the 1099c for both accounts. That I have to pay them a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
Dear XXXX XXXX XXXX, Account info Account name : XXXX XXXX  Account XXXX I am writing in response to a notice I received indicating that I have an outstanding debt with XXXX XXXX, which allegedly originated from a loan in XXXX and has been reported as XXXX days past due. Pursuant to my rights under Section 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I formally dispute the validity of this debt and request verification.

Please provide the following information to verify the debt : 1. The name of the original creditor and a breakdown of the debt amount, including any fees, interest, or penalties added.

2. A copy of any signed contract or agreement that demonstrates my obligation to pay this debt.

3. Documentation showing the date the debt originated and any payments that have been applied.

While I await verification, I request that you cease all collection activities related to this account, as required by law. Furthermore, if you can not verify this debt, I respectfully ask that this item be deleted from my credit report to prevent any inaccurate or incomplete information from harming my credit profile. 

Please direct all responses to my address listed above or via email at XXXX. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as is required under federal law. 

Sincerely, 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am submitting this complaint because TransUnion, XXXX, and XXXX are reporting accounts on my credit report that are past the seven-year reporting period, in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts from XXXX XXXX are outdated and should have been removed from my credit report : XXXX XXXX XXXXXXXX Balance : {$3800.00} Closed Date : XX/XX/2017 XXXX XXXX XXXX Balance : {$2800.00} Closed Date : XX/XX/2017 These accounts have exceeded the seven-year reporting limit, yet they are still being listed on my credit file. I have disputed these accounts in the past, but they have not been removed, and this is causing ongoing harm to my credit report. 

According to FCRA Section 605 ( a ), negative information must be removed from a consumer 's credit report after seven years from the date of first delinquency or account closure, whichever is later. These accounts should no longer be reported, and I am requesting immediate removal. 

Desired Resolution : I would like the CFPB to ensure that TransUnion, XXXX, and XXXX remove the outdated accounts from my credit report immediately and provide written confirmation of this action. I also request that they comply with the FCRA and FDCPA guidelines by removing the information that is no longer legally reportable.

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 2024-11-09 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: MI

Complaint narrative:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report and this is the second attempt for them they violated my rights the first time and after my complaint the bureau removed it and now they come back in a different name like it's a jungle i did a new police report again. 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 5-day 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 XXXX 1. XXXX XXXX XXXX/ XXXX 2. Inquiries : XXXX XXXX, XXXX XXXX VIA DEALER, 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 2024-11-09 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: GA

Complaint narrative:
On XX/XX/year> a XXXX XXXX  with a balance of {$860.00} was reported on my credit report. The current status is Account Charged Off.

Company response to consumer: Closed with explanation