vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Balance {$7400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Balance {$3300.00} Date opened XX/XX/XXXX Account name XXXX Account number XXXX {$2300.00} Date opened XX/XX/XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Balance {$1100.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$9600.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$76000.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$9900.00} Date opened XX/XX/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 2024-10-03 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : Account name XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Balance {$7400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXXXXXX  Account number XXXX Balance {$3300.00} Date opened XX/XX/XXXX Account name XXXX Account number XXXX {$2300.00} Date opened XX/XX/XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$1100.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$9600.00} Date opened XX/XX/XXXX Account name XXXX BANK Account number XXXX Balance {$76000.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$9900.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. NAVY FCU Account # XXXX, XXXX, NAVY FCU Account # XXXX, XXXX, XXXX XXXX Account # XXXX # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by NAVY FCU Account # XXXX, XXXX, NAVY FCU Account # XXXX, XXXX, XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: PA

Complaint narrative:
Unauthorized monthly ACH withdrawals occurred since on or before XX/XX/year>. I call XXXX, who investigated and found my dispute to be valid, but only credited my account for 3 months ( approx {$700.00} of almost {$26000.00} in dispute ). They told me to call Discover Bank. 

I called Discover Bank and they said to call XXXX. 

Please help. I am XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NY

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 2024-10-03 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased a set of beds and mattresses at XXXX XXXX  in XXXX, XXXX. I used financing through Wells Fargo. I have made each and every payment on time, of {$190.00} a month. 
The initial purchase was for {$5000.00}. 
I checked my balance which was supposed to be around {$2000.00} left. I noticed a charge for {$900.00} in interest on the account. I called wells fargo and asked why I was charged this interest. They said it was because the promotion offered no interest if paid off within 18 months. 
I told them I did not recall agreeing to any deal of the sort, requested a copy of the original sale and finance documents. I told them I would repay the remaining balance in full, as of today, if they waived the interest charge which they said they would not do.

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 2024-10-03 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:
Transunion is incorrectly showing a high / inaccurate balance from an original creditor on my report. It shows a high balance of {$2400.00}. I have statements from XXXX for the same account showing high balances of {$2500.00} and {$2500.00} neither of which are the original High Balance on the original account or the high balance when it was received by 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 2024-10-03 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-10-03 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: TX

Complaint narrative:
Several disputes have been mailed out to XXXX, XXXX and Transunion and they are not investigating or responding back, and I will like this investigation to be done asap. 

All of my dispute requests have been ignored. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so it is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. I want the derogatory accounts deleted. 

My file is attached for your review.

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 2024-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Several disputes have been mailed out to XXXX, Equifax and XXXX and they are not investigating or responding back, and I will like this investigation to be done asap. 

All of my dispute requests have been ignored. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so it is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. I want the derogatory accounts deleted. 

My file is attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX I bought a phone from XXXX XXXX XXXX using a trade-in phone to reduce the price of the new phone, and XXXX XXXX XXXX deceived me into a 3year contract for phone service by disguising the terms of the exchange as 36 monthly installment amounts for both my trade-in phone and the phone I was buying. After 12 monthly payments against the balance for the new phone ( less trade-in value ), the new phone was paid in full. However, XXXX XXXX XXXX credited a much smaller monthly amount for the trade-in phone, and claimed that I still owed them for the trade, when in fact they took the trade-in device all at once and did not give me credit all at once. 

XXXX XXXX XXXX XXXX violated the contract when they terminated my phone service before the contract ended because they refused to unlock the new phone which was paid in full. 

XXXX XXXX XXXX then outsourced my account to a collection agent, Sequium Asset Solution who hounds me for {$760.00} in bogus charges from XXXX XXXX XXXX for a phone that was paid for in full. XXXX XXXX XXXX 's claim is that I owe {$760.00} in payment against the new phone, when in fact that amount is the balance of CREDIT that XXXX XXXX XXXX  OWES ME for the trade-in phone. 

Sequium 's {$760.00} derogatory claim in my XXXX credit report is a fictitious balance against a phone set which was PAID IN FULL in compliance with a purchase contract. Consequently the claim by XXXX XXXX XXXX and Sequium is a BOGUS claim and false accusation that I haven't honored the purchase contract.. 

{$1100.00} contract phone price for the new phone $ XXXX less contract value of trade-in surrendered to XXXX XXXX XXXX XXXX XXXX less balance paid as XXXX pmts of {$33.00} monthly XXXX thru XXXX $ XXXX contract OVERPAYMENT for phone XXXX XXXX XXXX is required to unlock the phone when its been paid for, but THEY VIOLATED THE CONTRACT when they refused to unlock it. They were advised that they would lose a customer if they refused to honor the contract and unlock the phone, and they did in fact lose the customer when THEY AGAIN VIOLATED THE CONTRACT by canceling service on XXXX. ALSO IN VIOLATION OF THE CONTRACT, at no time did XXXX XXXX XXXX offer the Dispute Resolution by Binding Arbitration specifically called out in the contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Lending Services LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX {$15000.00} To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report today, and I am completely baffled by it. My routine check suddenly revealed discrepancies that weren't there before. I refreshed my browser thinking it might be a temporary issue, but the inquiries didn't go away. This problem needs to be fixed now, and I demand that my documents be thoroughly reviewed. I'm really upset and need this issue resolved immediately.

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 2024-10-03 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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