vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: Harris & Harris, Ltd.
State: KY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), only accounts involving a credit transaction such as loans or credit card are reported to credit bureaus. Service accounts like phone or internet bills are not included in credit report.

Demand for Immediate Action : To resolve this matter without the need for formal litigation, I request the following : Immediate removal of the phone/internet account from my credit report, as it was never a credit account, and should not have been reported.

If the account remains on my report, I demand that both positive and negative information be reported accurately and in compliance with the FCRA.

A written explanation of your investigation into my dispute and the actions you have taken to correct this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  Balance : {$420.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/year>XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> XXXXXXXX XXXX XXXX Date of inquiry XX/XX/year>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 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit report contains errors in violation of 15 USC 16c-2. The listed hard inquiries were not authorized by me, and they are affecting my credit score. I request their removal.

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 2024-12-28 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
Told me after I pay that my credit will be fixed and never did so and never got back to me but took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX 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
Consumer complaint received 2024-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2024-12-28 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: NJ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-28 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: IL

Complaint narrative:
I suspect fraudulent activity has resulted in unauthorized accounts being added to my credit report. Please block and delete these entries promptly.

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 2024-12-28 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, 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 2024-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I the consumer and natural person was denied credit by Ally financial. When I apply for credit. the equal credit, opportunity act adverse action against the consumer is against the law, which is : 15 usc 1091c. And is pursuant to civil liability under 15 usc 1602 Also violating 15 usc 1642 15 1681m an 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued My social security number defined as a credit card 15 usc 1602. Proof of fraudulent activity on behalf of ally financial Ally financial fails to resolve this matter or compensate me for the use of my securities. I will hold ally financial criminally a civilly liable for all actual damages pursuant to 15 usc 1681 an 15 usc 1681o. I will follow up with an invoice for 1000 per violation XXXX XXXX XXXX XXXX ( without prejudice )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Originally opened acct XX/XX/year> and approved for the highest interest rate when my credit score was over 750and low balance in other open credit accounts! When asked to reconsidered, I was told to apply to lower interest after 1 year! Applied after a year and still was not lowered!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are unauthorized accounts on my credit report that I believe to be fraudulent. Kindly block and remove them as soon as possible.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumers credit report is accurate and authorized ( 15 U.S.C. 1681b ). The presence of these inquiries violates my rights as a consumer, as I did not provide consent or authorization for them.

Unauthorized inquiries negatively affect my credit score and financial opportunities. If you can not verify that these inquiries were authorized, they must be removed from my credit report as required under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

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 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA

Complaint narrative:
I have a joint spousal consolidation loan with my ex-husband. I have applied to get it separated. The loan is with Aspire. I am the co-signer so Aspire will not allow me to do anything with the account. I asked them for a forbearance and they said I had to request a forbearance from the ombudsman. I filed a complaint on XX/XX/year> with the ombudsman. They replied on XXXX XXXX and did not say anything about the forbearance in their response. They just gave me information on how to apply to separate the loan. I already had that information. I also emailed XXXX people at students aid. They also did not answer my question and just sent information on how to separate the loan. This joint spousal loan has significantly affected my credit but I am not allowed to do anything without my ex-husbands consent. He refuses to pay the loan. I am trying to pay my portion but no one wants to help me. Do I have any rights as the co-signer?? My credit will always be horrible because of my ex-husbands negligence. I dont even have his current address. I do not have access to the account because it is under my ex-husbands social security number. If I give them mine. They can not even look up the account .Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I have been a customer of NFCU Navy Federal Credit Union since XXXX  and been receiving ATM fees and Over Draft fees since then.

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Debt Validation Request for Account XXXX XXXX XXXX  Dear National Credit Adjusters, I am writing to formally request validation of the debt referenced above. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. As this account is currently affecting my credit report and financial standing, I am exercising my legal right to request documentation and validation of this debt. Please provide detailed responses to the following requests : 1. Proof of Debt Ownership and Assignment : o Provide documentation that shows this debt is mine, including a copy of the original signed agreement or contract.

o Show evidence that you have been legally assigned or purchased this debt from the original creditor.

2. Complete Accounting of the Debt : o A detailed itemization of the balance claimed, including the original amount, principal, interest, fees, and any other charges added.

o Records of all payments made on this account and how they were applied.

3. Verification of Accuracy and Reporting : o The original date of delinquency ( DOFD ) as reported by the original creditor.

o Evidence that this account complies with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ).

o Documentation that this account is not beyond the Statute of Limitations for collection in my state.

4. Compliance with Applicable Laws : o Proof that all collection efforts have complied with the FDCPA, including records of any communications or notices sent to me.

o Evidence that you provided me with all required disclosures, including the 30-day validation notice.

5. Documentation of Reconciliation with the Original Creditor : o Provide records from the original creditor confirming the validity and accuracy of the balance and the transfer of ownership to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I identified multiple incorrect accounts on my credit report, which I believe were added without my authorization. Please ensure they are removed as they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCS Credit Corporation
State: IN

Complaint narrative:
I have disputed this debit from SCS credit Corp because this car was in a severe car accident the amount was paid by lawyer the total was left to pay was XXXX SCS credit Corp is reporting XXXX I have reached out to the company to find out why they are reporting this to my credit report and the response was they would remove it if I dispute it I have disputed this debit multiple times and its still coming back as accurate I have also reached out to XXXX XXXX and was told I needed to do a complaint also I was only in a loan for only 3 days before the car was totaled out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX  Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided.

Account Status : Reported as " Closed '' but details differ across sources.

Credit Limit : Reported inconsistently as {$200.00}.

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly.

TILA 1666b : Failure to provide periodic statements within the required timeframe. FCRA 1681e ( b ) : Failure to main
tain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection.

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

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