vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: COLLECTION ASSOCIATES, LTD.
State: MO

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, Collection associates LTD XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: GA

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 XXXXXXXX I looked at my Experian 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 explanation
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
Subject : Request for Removal of Credit Inquiries Dear XXXX XXXX XXXX, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX, I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX, XXXX XXXX  Credit Report - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2024-11-10 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: TX

Complaint narrative:
Subject : Request for Removal of Credit Inquiries Dear XXXX XXXX XXXX, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX, XXXX XXXX  Credit Report - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2024-11-10 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:
I AM IN DISAGREEMENT WITH THE ACCOUNTS LISTED BELOW WHICH STILL APPEAR ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. THESE ACCOUNTS APPEAR TO BE OPENED WITH INACCUATE PERSONAL INFORMATION WITH EQUIFAX AND NOT MINES. 

EQUIFAX : XXXX : ACCOUNT NUMBER XXXX EQUIFAX : XXXX  : ACCOUNT NUMBER XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611. PLEASE PROVIED THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED ABOVE SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR INVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I disputed a transaction with Navy Federal Credit Union. My account have never been XXXX or more in overdraft. I called but my entire check was paying back fees an agent said I owed for credits that I received through transactions or disputes they said I made which was not true. Only disputed one transaction and all my transactions from months prior were disputed. Cell phone insurance everything. It all hit at one time causing me great confusion and despair. I went back and forth with them which no resolution. I changed my direct deposit but did not close account they and still say I owe XXXX after 2 or 3 checks was token from me and payments that were up to date owed.

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 2024-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a XXXX XXXX  account that I closed due to fraud. I closed my XXXX XXXX account months ago however they are reporting that I made 3 on time payments and then reported that I missed a payment that cause my score to drop XXXX points with XXXX and negatively impacted my others. I have proof that I have never made any payments to any XXXX XXXX account it was closed then XXXX XXXX fraudulently reported good and bad. I have never made a payment to XXXX XXXX for anything! I cancelled this in XXXX when I no longer had direct deposit going to XXXX XXXX. XXXX XXXX fraudulently reported that I made on time payments that I never made. When I realized what was going on I called again to tell them on a recorded line that I have never made a payment because it was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank refuses to authenticate my account using phone.

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 2024-11-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX writing a complaint about US bank reliacard disupte prepaid services.Back in XXXX I was a victim of a crime ( robbery and aggravated assault ) and marked a victim of identity theft.i had {$5300.00} fraudulently removed from my ohio US bank XXXX fraudulent people stole my Social, birth, ID, CREDIT AND DEBIT CARDS.They utilized and had access to everything, information was also breached and on dark web.i filed disputes, ( DISPUTE ID XXXX XXXX ), AND FROZE credit.In XXXX XXXX I pressed charges and XXXX XXXX XXXX XXXXXXXX XXXX  of these crimes ( XXXX XXXX XXXX ), ( XXXX XXXX ), he was pretending to be me and use my social and ID to verify cards and change everything. 
Victim : XXXX XXXX XXXX I handled this LEGALLY with the JUDGE and XXXX got XXXX 4 years in in XXXX just don't have my money back from my dispute XXXX provided this company with my FTC REPORT, police report, court indictment papers for XXXX proving that i XXXX XXXX has press charges . 

THIS FRAUD THAT I AM NOT LIABLE FOR HAS CAUSED A FINANCIAL HARDSHIP, I AM NOW IN A HOMLESS SHELTER BEFORE WINTER.CAN I GET THIS HANDLED 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 2024-11-10 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Disputed Account : AMSHER COLLECTION SERVICES, Account Number XXXX I noticed an unrecognized account on my credit report while doing a cursory review of this years credit reports on XX/XX/XXXX. The collection company above has an erroneous debt associated with my account in the amount of {$150.00}, from XX/XX/XXXX. I do not know what the source of this debt is. I can tell you that I XXXX XXXX XXXX just shortly before XX/XX/XXXX and requested an XXXX deferment of my federal student loans from my loan provider, XXXX, that month. That deferment request was granted and my account on their website does not show any missed payments or any need for a payment until XX/XX/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 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/year> I purchased a mattress from Mattress Firm at {$2000.00}. Apparently, I had 48 months to pay it off before the interest kicked in. 

In late XXXX I noticed my minimum due increased from $ XXXX to XXXX, a payment I wouldn't be able to afford. Alarmed, I called Synchrony early XXXX and the representative explained that the 48 month period just expired. This representative offered me a deal : If I paid {$1100.00} while I still only owed {$1200.00}, then they would be satisfied. Were I to have waited past the end of XXXX I would have owed {$2600.00}. 

This was a XXXX alarm fire for me because I still make little more than XXXX at this point. Thankfully my state tax returns could be allocated to pay the {$1100.00} owed on the mattress. Feeling extorted, I had to borrow from family to make rent that month and the damage and resulting fallout with my relatives is ongoing. 

Nonetheless, I contacted Synchrony explained the deal I had been quoted, and they adjusted the payment to {$1200.00} before the end of XXXX. This should have been the end of it. 

Last month I got [ Fraudulent ] notification that I still had monthly payments to make towards an inflated balance. [ see incorrect min due attachment ]. I called Synchrony and was 'gaslighted ' to the effect as if I still owed money-as though I had not taken the deal and paid that {$1100.00} bumped up to {$1200.00}. 

I believe that when confirming my info, the Syncrony agent/debt collector heard my XXXX XXXX XXXX suffix and simply 'decided ' he could go after me for commission for this money that was no longer owed.

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 monetary relief
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. I was never provided with any contacts as requested

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 2024-11-10 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'm in disagreement with the accountant listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and address of the business of the individuals you verified this information with. With an updated copy of my credit report after the investigation.

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 2024-11-10 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: EQUIFAX, INC.
State: GA

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, IN XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 response to consumer: Closed with non-monetary relief