vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX stating that I had a delinquent account and that because of it, my credit score dropped XXXX points. I looked at the account and realized it was for a phone I'd gotten through XXXX financed through TD Bank. I have a long standing account with TD Bank as I have financed plenty of things through them, paying them all off early, and NEVER missing a payment. I went straight to my email to see if maybe I'd gotten a bill from them that slipped my mind and I had nothing. I had not had any correspondence from them since XXXX. 

I called TD bank to ask them to remove this from my credit and they declined several times. I've talked to XXXX different people, the last who noted the account as to what happened and could not explain why I hadn't had a bill. They reversed XXXX of the XXXX late fee charges but said they did not have authorization to reverse the other. They told me to dispute the credit update, which I did, but would not put me in touch with the department who handles credit reporting. 

Today I see the conclusion of the dispute and they have put ANOTHER late report. This is after I have paid more than half of the account off. These people are destroying my credit and won't even talk to me to get it resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-04-30 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: IL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-04-30 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: MS

Complaint narrative:
XXXX 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 XXXXXX/XX/XXXX This account is involved in a litigation.

15 U.S. Code 1681B - Inquiries

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 2024-04-30 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: CA

Complaint narrative:
Since XX/XX/year> till now I've filed multiple disputes regarding my student loans being totally discharged and paid in full. There is XXXX MONEY OWED TO XXXX XXXXXXXX XXXX. ALSO XXXX XXXX XXXX is reporting a COLLECTION ACCOUNT in the debt amount of {$10000.00}. This account was opened online fraudulently due to identity theft. I never resided at the address on this account. This address is not on my credit report. PLEASE DELETE THIS FRAUD ACCOUNT FROM MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TX

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 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 a 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 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a {$710.00} debt that is not mine. I have tried contacting them at the end of last year about this and it still has not been removed from my credit report. I've included proof from my identity XXXX latest credit consumer report that includes every single Capital One card on my Consumer Report there are four of them. There is not one Capital One on my Consumer Report that is remotely near or resembles the debt of {$710.00} and the time frame that they said it was opened on my Consumer Report. I have four Capital One listings on my Consumer Report two are open and in good standing, and two are closed one with a past due amount of {$110.00} and the other with a past due amount of {$430.00} that was just closed 2024. The other two Capital One accounts are still open so it couldn't be the one that they are claiming has been sent to collections it would have to be one of the other two and if you can see by the examples that I have sent it is neither of those those, there is no other Capital One charge off or listing that coincides with this debt collector 's false charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After completing a legal name change, I'm unable to access my Equifax credit score/report. My bank can't access this information either, which is preventing me from applying for a home mortgage to buy a house. 

Timeline XX/XX/XXXX : Completed legal name change. 
XX/XX/XXXX : Submitted legal name change documents to all XXXX credit bureaus. 
XX/XX/XXXX : Received confirmation of name change from XXXX and XXXX. 

XX/XX/XXXX : Notified that my loan officer can't pull Equifax credit file for mortgage application. 
XX/XX/XXXX : I called into Equifax 's customer care line 2 times and spoke with 4 agents. Each agent diagnosed the issue differently and told me different solutions to resolve the issue. For example, one agent told me that I would need to submit documents again by mail because my prior documents were expired, whereas another agent was able to lookup my prior documents to change the name on my credit report. 

[ Equifax name change updated, still can't access Equifax credit score/report ] XX/XX/XXXX : I called into Equifax 's customer care line one time and spoke with 2 agents. Again, each agent diagnosed the access issue differently and told me different solutions were needed. One required submitting documents by mail and the other said online submission would be fine. The issue flagged was that my current address was not correct. 
XX/XX/XXXX : Submitted verification documents online to update current address. 
XX/XX/XXXX : Received email verification of current address update. 

[ Equifax current address updated, still can't access Equifax credit score/report ] XX/XX/XXXX : I called into Equifax 's customer care line one time and spoke with 3 agents ( one was a Supervisor ). Again, each agent diagnosed the access issue differently and told me different solutions were needed. The first 2 employees recommended that I submit a copy of my Driver 's license and Social Security Card by mail so they could investigate my access issue. The third employee said there was an internal block to my online account that needed to be reset, which was unsuccessful in resolving my access issues. Furthermore, during this account reset, the agent changed the spelling of my first name, which is now incorrect. 

I've spent more than 3 hours speaking with 9 different agents and I still can't access my Equifax credit score/report. Each time I call the customer care number, I'm rolling the dice for whether the agent will know how to resolve my issue or continue to ask me to complete time-consuming tasks with no resolution. Requiring consumers to go through this level of effort after a legal name change is discriminatory and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
15 USC 1692c ( c ) - " That law Clearly states that '' " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must CEASE ALL Communication '' Credit collections Services Acct # XXXX

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue that I have experienced with Navy Federal Credit Union. As a customer of Navy Federal Credit Union, I have been subjected to discriminatory practices that have resulted in a lack of annual benefits, higher APR rates, and a refusal to increase my credit limit. XX/XX/year>, Navy Federal refused to honor my Anniversary loyal cash rewards for lower APR of 9.65 % as well as credit limit increase. 

Under consumer protection laws, it is imperative that financial institutions such as Navy Federal Credit Union adhere to fair lending practices and provide equal opportunities for all customers. However, I have consistently been denied access to annual benefits, lower APR rates, and an increase in my credit limit without any valid explanation or justification. 

This discriminatory treatment not only violates my rights as a consumer but also goes against the principles of fair and ethical banking practices. As a member of the Navy Federal Credit Union, I expect to be treated fairly and have access to the same benefits and opportunities as other customers. 

I urge the XXXX XXXX XXXXXXXX to investigate this matter thoroughly and take appropriate action to ensure that Navy Federal Credit Union complies with consumer protection laws and provides equal benefits and opportunities to all customers. Discrimination in any form should not be tolerated, especially within the financial sector where trust and transparency are paramount. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and equality in banking practices. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I'm deeply troubled by the addition of this late payment to my account, as my payment history has consistently shown punctuality. This situation is causing me considerable distress, and I implore you to correct this mistake promptly by removing it from my account.

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 2024-04-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I never applied for anything with citi bank but I have XXXX hard inquiries from them.

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 2024-04-30 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:
Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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:
I hope this message finds you well. I am writing to follow up on my previous attempt to address the issue of a late open account on my credit report. 

Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial history. It is crucial to ensure the accuracy of my credit report for maintaining my financial integrity and credibility. 

I kindly request your immediate attention to this matter. Please take the necessary steps to correct the opening date of the account in question and ensure that my credit report accurately reflects my financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$390000.00}.

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 2024-04-30 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Balance : {$2400.00}

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 2024-04-30 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
This marks my initial attempt to inform you of my status as a victim of identity theft. I am raising concerns regarding particular entries in my document that have arisen as a result of this criminal act. These entries pertain to transactions for which I neither initiated nor authorized any exchanges involving goods, services, or funds. If indifference prevails, kindly expunge any significant information from my credit record that stems from the purported fraud or deceit. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
This marks my initial attempt to inform you of my status as a victim of identity theft. I am raising concerns regarding particular entries in my document that have arisen as a result of this criminal act. These entries pertain to transactions for which I neither initiated nor authorized any exchanges involving goods, services, or funds. If indifference prevails, kindly expunge any significant information from my credit record that stems from the purported fraud or deceit. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$650.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.

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 2024-04-30 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: NV

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00}

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 2024-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There are hard Inquires on my report, cards I do not have, things I don not recognized or thing that I have but are still showing as a inquire and is impacting my credit score.

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