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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Can not access my credit report. 

According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Can not access my credit report. 

According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 an account opened with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, in the amount of {$730.00}, being collected by XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}, being collected by XXXX. XXXX, XXXX under the account number XXXX. An account opened with XXXX XXXX on XX/XX/XXXX, in the amount of {$230.00}, being collected by XXXX. XXXX, XXXX under the account number XXXX. 
An account opened with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1700.00}, being collected by XXXX XXXX XXXX under the account number XXXX. An account opened with XXXX on XX/XX/XXXX, in the amount of {$210.00}, being collected by XXXX XXXX XXXX under the account number XXXX. 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 # XXXX 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. 
List of HARD INQUIRIES : XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) on XX/XX/XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX ( Auto ) on XX/XX/XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX VIA DEALER ( Finance ) on XX/XX/XXXX XXXX ( Bank ) on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX  ( Bank ) on XX/XX/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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Subject : Notice Regarding Inaccurate Reporting of Charge-Off I am writing to address an issue regarding the inaccurate reporting of my account to the credit reporting agencies. Specifically, you have furnished information on my account to XXXX, listing it as both a charge-off and a collection. 
Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, the Congressional findings emphasize the need for accuracy and fairness in credit reporting. The financial system relies on this accuracy to maintain public confidence and ensure its continued efficient operation.

According to established definitions, an account can not be classified as both a charge-off and a collection simultaneously. A charge-off represents a canceled debt, which should result in the issuance of a Form

1099-C to the consumer. It is legally questionable to pursue collection on a debt that has already been canceled. Reporting such accounts as both a charge-off and a collection constitutes tax fraud and will be reported to the IRS via Form 3949-A. You have violated the FCRA by furnishing this account information inaccurately. According to 15 USC 1681e ( b ), consumer reporting age
ncies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inaccuracies in your reporting have negatively impacted my creditworthiness, credit standing, and overall reputation.

Furthermore, under 15 USC 1681s-2, furnishers of information are legally obligated to ensure that the information they provide to credit reporting agencies is accurate. It is prohibited to report information that you know or have reasonable cause to believe is inaccurate.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting 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 ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$1000.00} XXXX XXXX Account number : XXXX Balance : {$3000.00} XXXX Account number : XXXX Balance : {$0.00}

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 non-monetary relief
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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am disputing a XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) charge off on my credit report i have provided documents that showed i was XXXX during the time this account was opened and closed and i filed a FTC Police report.. i was sentenced to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so there is no way i could of opened this account if i XXXX XXXX XXXX

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: 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: WA

Complaint narrative:
I am disputing a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) charge off on my credit report i have provided documents that showed i was XXXX  during the time this account was opened and closed and i filed a FTC Police report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so there is no way i could of opened this account if i 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately

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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal has a zero liability policy for account holders but does not hold up to it. I reported fraudulent ATM withdrawals on my account that I hadn't received the actual card for. Only card I had was the digital version they sent to my email which means I wasn't able to physically pay at a store or withdrawl money. My phone doesn't support tap which I can show and prove. It's the only device that's on my account. I was told by navy Federal that my claims were denied because no error occurred but no investigation was done at all. They've been sued before for these same practices. For not doing their jobs to make sure. Every ATM has cameras. Every store has cameras. They can easily pull the camera footage or store footage but instead they've chose to do nothing. What's the point of having us report fraud when the bank does nothing about it. Certain online charges I told the bank it was me but I wasn't able to make in store purchases or withdraw from a ATM without the card. I also see the bank included some of the charges I said I authorized into the unauthorized ones making them basically void the whole claim. Banks do this to avoid honoring fraud agreements or their zero liability policy or a way to deny the whole claim. I had navy federal on 2 other phones which were stolen. I called into navy federal to do a whole reset of my account which they reset everything and then locked me it the account for days for trying to login to my app on the only device that is linked to my account. This has been the worst experience at a bank. I've been with them for almost 3 years with no problems until now.

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: 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: WA

Complaint narrative:
I am disputing a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) charge off on my credit report i have provided documents that showed i was XXXX during the time this account was opened and closed and i filed a FTC Police report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  so there is no way i could of opened this account if 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 2024-10-16 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: TX

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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: 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 have disputed many times with Experian & directly with each account since XXXXXXXX XXXX XXXX. I am invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces the said ( CREDIT BUREAU ) to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at each bureau or delete all contested items in the initial CFPB complaint from the FICO report they maintain. I don't believe the credit reporting agency never contacted the FTC to verify the underlying facts alleged in my FTC identity theft affidavit. I am requesting that said ( CREDIT BUREAU ), disclose the source of their initial verified response, or will be forced to either delete all contested items from the credit report they maintain or compensate me for all credit denials attributable to the contested items in question, for ( Willful non-compliance ) and ( Negligent non-compliance ) with the FCRA. I have proof of my sending a letter of validation to each company by certified mail requesting a signature as validation, which they failed to provide, instead they each sent an invoice with no signature. An FTC Report was also filed, XXXX XXXX XXXX complaints and Consumer Financial Protection Bureau complaints were submitted as well. ( Please see screen shots ).

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: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The account from the XXXX XXXX public utility district is in violation of the Fair credit reporting act for the fact that I have not given written permission which is a violation of the Fair credit reporting act and the reports on the account are incorrect with the amounts in the dates on the accounts and is it also a violation of the Fair credit reporting act for reporting of credit for the use to deny any credit offering I said subject for the previous accounts I demand you to remove the account shown as it is the violation of the Fair credit reporting act within 14 days

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 — Account information incorrect
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
I recently pulled my credit report and found inaccurate information or an account from Global Lending Services. I made a list of the inaccuracies and reasons why the account should be removed. I'm in the process of purchasing the first time for my family and this is adversely affecting my ability to obtain a loan. Please review my documents and remove the account that is listed.

Company response to consumer: Closed with explanation