vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Experian, XXXX, and XXXX are reporting inaccurate information on my credit file regarding XXXX XXXX XXXX. 

XXXX reports the Balance {$780.00} and the date the account was opened was XX/XX/2019. This is inaccurate information. They also list XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. # XXXX. 

Experian lists XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). XXXX, XXXX, and Experian are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts posted to a person 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof of an original Consumer Contract with my Signature on it for XXXX XXXX XXXX. You can't provide one because NO CONTRACT exists. In addition, XXXX XXXX XXXX lists XXXX XXXX XXXX XXXX XXXX as the original creditor. This isn't the accurate name of the original creditor and I never gave my consent for any of these companies to share my data. 

One of these companies has fraudulently reported that the business address for the storage unit is my personal home address. This is false, misleading, and I don't think a business should be able to dictate to a credit reporting company where I lived or did not live. 

I am not liable for this debt. I never signed a contract with XXXX XXXX XXXX and have been harassed by their constant calls and damaged by their fraudulent reporting of this debt. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I have asked multiple times for validation and received nothing. How are the credit bureaus validating this?

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unauthorized inquiry on 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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
Unauthorized inquiry on 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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit file regarding XXXX XXXX XXXX. 

TransUnion reports the Balance {$780.00} and the date the account was opened was XX/XX/2019. This is inaccurate information. They also list XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. # XXXX. 

XXXX lists XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). TransUnion, XXXX, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts posted to a person 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof of an original Consumer Contract with my Signature on it for XXXX XXXX XXXX. You can't provide one because NO CONTRACT exists. In addition, XXXX XXXX XXXX lists XXXX XXXX  XXXX XXXX XXXX as the original creditor. This isn't the accurate name of the original creditor and I never gave my consent for any of these companies to share my data. 

One of these companies has fraudulently reported that the business address for the storage unit is my personal home address. This is false, misleading, and I don't think a business should be able to dictate to a credit reporting company where I lived or did not live. 

I am not liable for this debt. I never signed a contract with XXXX XXXX XXXX and have been harassed by their constant calls and damaged by their fraudulent reporting of this debt. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I have asked multiple times for validation and received nothing. How are the credit bureaus validating this?

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax, and XXXX are reporting inaccurate information on my credit file regarding XXXX XXXX XXXX. 

XXXX reports the Balance {$780.00} and the date the account was opened was XX/XX/2019. This is inaccurate information. They also list XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. # XXXX. 

XXXX lists XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). XXXX, Equifax, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts posted to a person 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof of an original Consumer Contract with my Signature on it for XXXX XXXX XXXX. You can't provide one because NO CONTRACT exists. In addition, XXXX XXXX XXXX lists XXXX XXXX  XXXX XXXX XXXX as the original creditor. This isn't the accurate name of the original creditor and I never gave my consent for any of these companies to share my data. 

XXXX of these companies has fraudulently reported that the business address for the storage unit is my personal home address. This is false, misleading, and I don't think a business should be able to dictate to a credit reporting company where I lived or did not live. 

I am not liable for this debt. I never signed a contract with XXXX XXXX XXXX and have been harassed by their constant calls and damaged by their fraudulent reporting of this debt. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I have asked multiple times for validation and received nothing. How are the credit bureaus validating this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XXXX XXXX XXXX secornd complaint on XXXX XXXX XXXX  I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account XXXX  XXXX and XXXX : account XXXX  XXXX ). According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate. 
I believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ). 
To support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My 2 years lease was end on XXXX, 2023 and I extended the lease for another 6 months. My payoff amount in XXXX was {$29.00} Now, I called to Ally bank, asking how much is my payoff amount as of today. They gave me the same amount as 6 months ago. On my question how it's possible, they said it was courtesy of the bank. So, I used the car extra 6 months, got more miles, paid almost {$2300.00} and price stayed the same. 
Is it legal, I think this is consumer ripe off Thank you.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am currently reviewing my Equifax Credit Report and I would like to have my new address and telephone number added to my credit report. 
Below is the address and telephone number that I would like to have added to my Equifax Credit Report : Address : XXXX XXXX XXXX XXXX, XXXX, NY. XXXX Telephone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
payment history involving XXXX XXXX  XXXX is incorrect. The months will be listed below. 
XXXX XXXX XXXX XXXX XXXX. 
. I have plenty of issues involving the collection department. lying. trying to have me pay money I didn't have. I can go down the list. when my account was NEVER late. I was in COVID forberence between XXXX XXXX XXXX XXXX. I waited for my paperwork from FHA until XXXX. Therefore I was Not obligated by contract to make a payment because I was waiting for my FHA loan due to my covid forberance. again I was never late on this account and I would like them to fix it immediately. Picture will be uploaded aswell. if I need to file a " Claim of debt '' form for them to validate all my debt I will do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) Transunion, XXXX and XXXX  have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) XXXX, XXXX and experian have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
On XX/XX/2023, Navy Federal Credit Union denied my claim for a chargeback regarding a transaction that was never successfully completed. I received notice of this online. I then followed up and called XXXX XXXX to inquire about this dispute. They said they could not help me and XXXX me a chargeback. 
I originally filed the dispute with them on XX/XX/2023. On XX/XX/2023, I made a transaction for {$420.00} to XXXX XXXX. I never received the items which I paid for and the merchant, ( XXXX XXXX ), never refunded me the money after requesting a refund. I never received a tracking number so there is no evidence that the items were ever shipped to me. I am unable to resolve this with the merchant and expect XXXX XXXX to do what is right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My house is been foreclosure on with fraudulent assignments, and we were attempting to modify the with the loan service but instead we were placed in foreclosure while accepting documents for a modification. This is dual tracking. I asked for the gap account because I questioned the amount owed. I sent QWR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
This company has reported false information on my credit report several times and refuses to remove the item. This is grounds for a lawsuit if they do not remove the account.

Company response to consumer: Closed with explanation