vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''

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 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I never received any information from Midland Credit regarding my debts or original signature for the debt through XXXX XXXX XXXXXXXX. I never received any court date. The only piece of mail I got was a judgement with incorrect amounts and information against me in which I tried to hire a lawyer to dispute, the company is not meeting any negotiations with my lawyer for a debt they cant prove or gave me rightful notice on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-28 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$59000.00}

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 2024-09-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$59000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-28 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding unauthorized hard inquiries that have appeared on my credit report. I have recently reviewed my credit report and noticed several hard inquiries from companies listed below that I did not authorize. 

- Company : XXXX XXXX. Date of XXXX : XX/XX/year>. 
- Company : XXXX. Date of XXXX : XX/XX/year>. 
- Company : XXXX Date of XXXX : XX/XX/year>. 
- Company : XXXX XXXX XXXX Date of XXXX : XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) and 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), I have the right to dispute any information that I believe is inaccurate or incomplete. Since these inquiries were made without my consent, I believe they are in violation of the law, and I request that they be removed from my credit report. 

I urge you to investigate this matter and take appropriate action to eliminate these inquiries. These unauthorized hard inquiries negatively impact my credit score, and I am concerned about their effect on my financial well-being. 

Please inform me of the steps you will take to rectify this situation. I appreciate your prompt attention to this matter.

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: MS

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue 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 2024-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.

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 2024-09-28 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: GA

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report by Navy Federal Credit Union ( NFCU ) pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, NFCU has incorrectly reported my account of two of my credit cards as 30 days late to both XXXX and XXXX, while inconsistently reporting it as 60 days late to XXXX. This reporting is factually inaccurate, as I have never missed or been late on a payment for this account. 

The truth is, I was granted a deferment on my account payments from XX/XX/year> until XX/XX/year>, and at no point has my account been overdue. Despite this deferment, Navy Federal Credit Union falsely claimed that my account was late, which led to the incorrect reporting to the credit bureaus. Further compounding the issue, NFCU closed my account based on this erroneous XXXX late status. 

I have previously requested an investigation into this matter, yet no resolution or formal written findings have been provided to me. This continued incorrect reporting has not only impacted my credit standing, but it has also caused significant distress and financial harm. 

I am requesting that Navy Federal Credit Union immediately rectify the inaccuracies on my credit report by deleting the accounts from all three credit bureausExperian, XXXX, and Equifaxas they can not validate the correct information. Reflecting that my account was neither 30 days nor 60 days late and that I had an approved deferment until XX/XX/year> is both horrible service and illegal. 

Should NFCU fail to take immediate corrective action and properly update my credit report, I will be forced to pursue legal action in my jurisdiction to seek monetary damages for the harm caused by this inaccurate reporting. 

I look forward to a prompt response and resolution of this matter. Please note these are my words and my own complaint and I am not being coerced into writing this complaint or represented by third party. Please do not try and delay the outcome by using this manipulative method of stalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report by XXXX XXXX XXXX XXXX ( NFCU ) pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX has incorrectly reported my account of two of my credit cards as 30 days late to both XXXX and XXXX, while inconsistently reporting it as 60 days late to Equifax. This reporting is factually inaccurate, as I have never missed or been late on a payment for this account. 

The truth is, I was granted a deferment on my account payments from XX/XX/year> until XX/XX/year>, and at no point has my account been overdue. Despite this deferment, XXXX XXXX XXXX XXXX falsely claimed that my account was late, which led to the incorrect reporting to the credit bureaus. Further compounding the issue, XXXX closed my account based on this erroneous 30-day late status. 

I have previously requested an investigation into this matter, yet no resolution or formal written findings have been provided to me. This continued incorrect reporting has not only impacted my credit standing, but it has also caused significant distress and financial harm. 

I am requesting that XXXX XXXX XXXX XXXX immediately rectify the inaccuracies on my credit report by deleting the accounts from all three credit bureausExperian, XXXX, and Equifaxas they can not validate the correct information. Reflecting that my account was neither 30 days nor 60 days late and that I had an approved deferment until XX/XX/year> is both horrible service and illegal. 

Should XXXX fail to take immediate corrective action and properly update my credit report, I will be forced to pursue legal action in my jurisdiction to seek monetary damages for the harm caused by this inaccurate reporting. 

I look forward to a prompt response and resolution of this matter. Please note these are my words and my own complaint and I am not being coerced into writing this complaint or represented by third party. Please do not try and delay the outcome by using this manipulative method of stalling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report by XXXX XXXX XXXX XXXX ( NFCU ) pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX has incorrectly reported my account of two of my credit cards as 30 days late to both Experian and XXXX, while inconsistently reporting it as 60 days late to XXXX. This reporting is factually inaccurate, as I have never missed or been late on a payment for this account. 

The truth is, I was granted a deferment on my account payments from XX/XX/year> until XX/XX/year>, and at no point has my account been overdue. Despite this deferment, XXXX XXXX XXXX XXXX falsely claimed that my account was late, which led to the incorrect reporting to the credit bureaus. Further compounding the issue, XXXX closed my account based on this erroneous 30-day late status. 

I have previously requested an investigation into this matter, yet no resolution or formal written findings have been provided to me. This continued incorrect reporting has not only impacted my credit standing, but it has also caused significant distress and financial harm. 

I am requesting that XXXX XXXX XXXX XXXX immediately rectify the inaccuracies on my credit report by deleting the accounts from all three credit bureausExperian, XXXX, and Equifaxas they can not validate the correct information. Reflecting that my account was neither 30 days nor 60 days late and that I had an approved deferment until XX/XX/year> is both horrible service and illegal. 

Should XXXX fail to take immediate corrective action and properly update my credit report, I will be forced to pursue legal action in my jurisdiction to seek monetary damages for the harm caused by this inaccurate reporting. 

I look forward to a prompt response and resolution of this matter. Please note these are my words and my own complaint and I am not being coerced into writing this complaint or represented by third party. Please do not try and delay the outcome by using this manipulative method of stalling.

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 2024-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Online order with me on XX/XX/XXXX XXXX of XXXX which posted to the account on the XXXX of XXXX for {$230.00} of which {$190.00} was disputed due to item being returned to merchant. Item was shipped on XX/XX/year> and delivered on XX/XX/year> via XXXX. Credit was never received and dispute was filed, bank stated that it was a valid charge. Requested documents used in decision and was provided the statement I filed. I filed a reevaluation and bank still found to be valid charge even though delivery receipts and conversation with merchant was provided to bank. Have asked several times to escalate the issue and no response has been given.

Company response to consumer: Closed with explanation