vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: AL

Complaint narrative:
I am writing to formally dispute the inaccurate late payments associated with my XXXX XXXX XXXX XXXX credit card account XXXX for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which appear inaccurately on my consumer report. This information incorrect and is negatively impacting my credit report and, consequently, my means of living. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my consumer report. Under 15 U.S.C. 1666b, I demand the immediate removal of these inaccuracies.

I would like to point out that I have not received any of the required documents as cited in 15 U.S.C. 1637b. The absence of this information further supports my claim that the reported late payments are erroneous. 
If these inaccuracies are not corrected and removed from my credit report in a timely manner, I will be compelled to pursue all damages allowable for willful non-compliance under 15 U.S.C. 1681n. This request is made under the principle that any negative reporting that does not accurately reflect my payment history should be removed. Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report. 
Please investigate this matter promptly and provide me with written confirmation of your findings and any actions taken. 
Thank you for your attention to this urgent issue.

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 2024-10-16 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of personal loans from 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  XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Former 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the account information being reported by XXXX XXXX XXXX on my credit report. I previously initiated a dispute regarding this collection account, but Equifax has failed to properly address the issue, and the account is still being inaccurately verified. 
This collection is **not mine**, and I am demanding that you re-investigate this account immediately. I request that Equifax comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i which mandates that credit reporting agencies conduct a reasonable investigation when consumers dispute the accuracy of information on their reports. 
Additionally, under **15 U.S.C. 1681s-2**, data furnishers like XXXX XXXX XXXX are required to provide accurate information. If Equifax is relying on incomplete or inaccurate verification from XXXX XXXX XXXX this constitutes a violation of the FCRA, and Equifax must take corrective action to remove this erroneous collection account from my credit report. 
Please also note that under **15 U.S.C. 1681e ( b ) **, Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Given the lack of proper verification, it is clear that this responsibility has not been fulfilled in my case. 
I demand that this matter be resolved within the thirty-day period as prescribed by law, and that Equifax provide me with written confirmation of the removal of this inaccurate collection from my credit report. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response. 
Sincerely, XXXX XXXX social Security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had requested the capital one void my auto loan agreement due to the lack of title transfer by the car dealership XXXX XXXX despite the completion of the purchase and disbursement of funds by capital one auto finance I had not received the title to the vehicle over all this failure to transfer title constituents, a material breach of the auto loan agreement under the uniform. Commercial code UC, see section 24012. The seller is required to transfer the title to the buyer upon delivery of the goods. In this case, the seller XXXX XXXX failed to feel this obligation, rendering the contract void for the more you see C-section 2 602 provides a buyer may reject the goods if they do not conform to the contract as a seller failed to transfer a title, the goods which is the vehicle did not conform to the contract, allowing me to the reject them I am requesting that capital one auto finance immediately terminate the auto loan agreement and refund all payments, made a fool. I am also requesting that any liens or security interest placed on the vehicle. Be released. 

I had made complaints to attorney general and the dealership. 

The dealership lied and stated that they provided me with title which is untrue. The only sent me a XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is not and has never reported my mortgage account to the three credit bureaus, since XX/XX/year>. 

I have reached out to them on several occasions to try to get this resolved, and they keep telling me to " dispute '' this matter, but you can only dispute something that exists. My mortgage account with Navy Federal Credit Union does not exist, according to my credit report, so there is no way I can dispute their not-reporting. 

Their lack of reporting is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
I've noticed significant inaccuracies in my credit report, with accounts appearing that do not belong to me. It seems like there's been a mix-up with someone else 's information. I'm concerned about the impact this could have on my financial profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: MA

Complaint narrative:
sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
So I have called TransUnion. XXXX. And. XXXX. I tried to update my information calling them. But they deny me all my stuff. I sent them letters. Certified. They have them in their system. They say they're going to update my stuff, I dont remember the days that I have called but it's been almost three months so now I need looking for help.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
So I have called XXXX. Equifax. And. XXXX. I tried to update my information calling them. But they deny me all my stuff. I sent them letters. Certified. They have them in their system. They say they're going to update my stuff, I dont remember the days that I have called but it's been almost three months so now I need looking for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
For a few years now my mother and sisters have taken money that was in my name by forging my name and have even forced me to sign legal documents and today they continue to live off of my money. Over the years they have stolen and if I try to talk to them about money they deny all of it. They bank with Capital One Bank in XXXX, Louisiana and they have other bank accounts they have used as well. I spoke to Capital One in XXXX a few times over the years and they don't help. Can someone please investigate their bank records over the last 20-25 years? I know they all live outside of their means and have my money. my mother was fired from the local hospital about 17 years ago but says the money she has is from retirement but it's not. She lives comfortably. I asked the XXXX police for help but when I file a report they won't call me back or give me a copy of the report. This is a small town and lots of fraud happens here. 
My mother name is XXXX XXXX XXXX, my sister 's name 's are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE investigate this by looking into their accounts. I don't want them to know I reported it because I am now living with my mother and don't want them confronting me. 
Please call me or email me. 


Thank You, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
EQUIFAX Has now returned to my credit report, an account that is in charged-off status which is the result of credit card fraud. Fraudulent charges began in XXXX, and led to the charge-off in XXXX. 
I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my 2nd attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, XXXX, XXXX, Equifax ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXXsystem/files/consumer_ftc_gov/pdf/fcra-605b.pdf ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXX XXXX credit card I am referring to is : ( ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXXXXXX XXXXXXXX, I made a payment of {$60.00} to the company, which cleared my bank on XX/XX/XXXXXXXX XXXX Later I made another payment of {$150.00} and {$350.00}. My bank shows these payments clearing on XX/XX/XXXX and XX/XX/XXXX, respectively. 

My XXXX, XXXX statement from the company shows a balance due of $ XXXX. 

XXXX, XXXX statement shows $ XXXX also. At this point I called the company. I asked for this money to be returned to me as it was clearly an overpayment on my part. I have not been to the store or used this card since the XXXX  of XXXX. It appears the company reversed my payments to charges while they " researched this matter ''. At this time I sent them copies of my bank statements showing the payments being cleared. Suddenly my XXXX statement shows a total balance due of XXXX. A payment due of {$29.00}. Since I was aware of the overpayment I didn't make any payment. The XXXX statement showed a new balance due of {$300.00}, a past due amount of {$29.00} and a total pmt due of {$62.00}. Again I didn't make any payments because of overpayment. 

My XXXX statement shows a balance of $ XXXX. It clearly states on the statement in red lettering " Please do not pay, as of this statement date your account has a credit balance '' Again, I called and asked for the credit to be returned to me. I still have not used the card! I have not received a check for my credit balance. Nor has the money been returned to my checking account. 

My XXXX statement shows a balance due of {$280.00}. I have not used this card for about a year at this point. XXXX statement shows a balance due of {$310.00}.

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 2024-10-16 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: PA

Complaint narrative:
This morning, I was completely taken aback to see wrong accounts on my credit report, with no explanation for how they appeared. I check my report routinely, but this time, I was met with discrepancies out of the blue. I tried refreshing my browser, thinking it could be a technical glitch, but the errors didnt go away. The inaccurate accounts were still there after refreshing. Im requesting a detailed review of my submitted documents to ensure I never have to stress over this again.

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 2024-10-16 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-10-16 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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