vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly disputed the Public records items on my TransUnion report, and this issue has been ongoing since XX/XX/2023. 

In my TransUnion credit report, several inaccurate Public Record items were listed that do not align with official records from XXXX XXXX XXXX XXXX XXXX or the United States XXXX  XXXX documents. Despite XXXX claim of obtaining this information from a third-party vendor, the details they reported are inconsistent and incorrect. In other words, TransUnion is not even reporting as with what the third party vendor is reporting-because XXXX XXXX XXXX XXXX has NO RECORD of SUCH CLAIM. Based on factual information, the XXXX XXXX Name is incorrectly reporting and the XXXX  Address is incorrect-therefore these items should be deleted. Additionally, TransUnion Reports a case number that does not belong to me. This item should be delted. 

This is what TransUnion Reports : 1. XXXX XXXX Name : TransUnion listed the court as XXXX XXXX XXXX Indiana, a non-existent entity in the U.S. judicial system. The correct name, per official documentation, is United States XXXX  XXXX, XXXX XXXX XXXX Indiana. 

2. Court Address : TransUnion inaccurately listed the court address as XXXX XXXX XXXX XXXX, XXXX, IN XXXX, omitting the full and correct address XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IN XXXX. 


I am requesting the immediate deletion of these incorrect items to prevent further damage. I have provided supporting documentation that substantiates these claims and demonstrates the need for correction. Thank you for your attention to this 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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I writing to formally dispute and request validation of a collection account appearing on my credit report, currently managed by NCB Management Services. This account, which I initially disputed in XX/XX/XXXX, is listed on my credit report with differing " Date Opened '' entries : XXXX reflects a date of XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. For clarification, please confirm the date that NCB Management Services actually received this debt. 

Account Details : Creditor/Collection Agency : NCB Management Services Mailing Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : XXXX Account XXXX Outstanding Balance : {$8600.00} Payment Status : Collection/Chargeoff Date of Initial Dispute : XX/XX/XXXX Under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that NCB Management Services provide detailed validation of this debt, including the following : A complete and itemized payment history for this account, covering all charges, fees, payments, and any other transactions associated with this debt. 

A copy of the original signed agreement between myself and the creditor, clearly showing my signature and the terms I agreed to. 

Details on any insurance claims filed in connection with this debt, including how any insurance payments were applied. 

The chain of title for this debt, including records of any transfer of ownership and proof of NCB Management Services ' right to collect on this account. 

A copy of the IRS Form 1099-C if this account has been charged off, as indicated on my credit report, for tax purposes. 

Without this information, I am unable to verify the validity of this debt, and therefore I request that it be removed from my credit report if sufficient documentation can not be provided. 

Please send the requested validation documentation or confirm the removal of this account within the legally required timeframe. If you require any additional information, feel free to reach me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: OR

Complaint narrative:
On Saturday, XXXX XXXX I received text alerts that an account with Chime had been created with my phone number including a verification code text. I had never heard of Chime and did not open this account. I did not respond to the texts or click on any of the links. 

On Monday, XXXX XXXX I called their customer service line in an attempt to report the fraud. I only received an automated set of responses to confirm the account, but no ability to report the fraud and close the account. 

Im seeking assistance in having Chime shut down this account and to update their systems so that fake accounts can not be opened in other peoples names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { {$600.00} } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { {$600.00} }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Update of Personal Information and Deletion of Incorrect Data Dear Sir/Madam, I am writing to request an update to my personal information on my credit report and to ask that any information that no longer matches my updated details be deleted. The information currently reported may be outdated or incorrect, and I want to ensure that my credit report accurately reflects my current personal details. 

Current Information on File ( as per my credit report ) : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX Updated Information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Please update my credit file to reflect the correct personal information. Additionally, I request that any outdated or incorrect information that does not match the updated details be removed from my credit report. If there are any discrepancies, I expect that they will be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

If you require any additional documentation or have questions, I am happy to provide further information. Please notify me of any actions taken and provide me with a copy of my updated credit report once the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2024-11-11 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my Equifax credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law.

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my Equifax credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts.

Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages.

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect Equifax to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments.

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws.

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter.

Thank you for addressing this matter with the urgency it deserves. I trust Equifax will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Old address come in my credit reports that were not there before which leads to identity theft. I am entitled to have just my current address and number on file since I have been here. Old address from up to 25 years or more is on file. My information is exposed to criminals and dark web constantly. Old accounts keep coming up which is passed the time allowed. I did not give any permission for old addresses, accounts or phone numbers to be exposed. The laws of the FDIC on the constitution : 18 USC 1028A for hard inquires, 15 USC 1692 for late payments, and 15 USC 1601 for charge offs.

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

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had OOP protection and have been charged overdraft fees that should not have been and my account reflecting one balance and then going negative after the charge clears

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: 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: Freedom Mortgage Company
State: DE

Complaint narrative:
I always make my payments on time. It shows that I am 30 days late in XX/XX/year>. I am under an automatic draft and not certain as to how this occurred and is an error on my part. However, I understand according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), does not include transactions or experiences between the consumer and the company. 15 U.S. code 1666b ( a ) credit may not report late. I'm asking that this late payment be removed from any credit report as a gesture of goodwill. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I filed a dispute for an unknown charge on my checking account for XXXX $ from XXXX XXXX. A couple of days later my bank Sofi emailed me saying my dispute was denied with no reasons whatsoever. I filed a appeal and also asked for support documentation on why this dispute was denied but wasn't given anything. 3 buisness days after that I got another email basically saying the same thing. I stated to my bank that I don't know where this transaction came from its from a Towing company and I don't even own a car or have a license. I'm sure you guys would understand and help me out with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX a Fraudulent application was made with Capital One ID # XXXX Spoken with several Supervisors receiving different information. I have faxed to their credit investigation dept XXXX per Supv, XXXX on XX/XX/XXXX my ID 's & signed letter requesting the fraudulent information so I can have XXXX clear the hard inquiry reported by Capital One on XX/XX/XXXX. 
XXXX & XXXX removed it but I still need to have XXXX do their job & comply in removing the inquiry from my Credit Report & restore my credit score. 
I'm fed up at this point with everyone - I am the one doing the work & feel I am being given the round around while my credit score still lower then it should be. 
Today when I called Capital One & spoke with Supv, XXXX @ XXXX she confirmed that fraudulent application was closed on XX/XX/XXXX she further said I was emailed confirmation? Never received anything from them. She declined emailing it again????? Said faxing my request as I did on XXXX? XXXX is all I can do & that Dept would send me a letter within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX  Companies XXXX Finance XX/XX/XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other 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 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief