vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: Experian Information Solutions Inc.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Account with Navy Federal from XX/XX/XXXX to XX/XX/XXXX and additional fees were added to my account while it was closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Dear Source Receivables Management LLC : I am responding to your contact about a debt you are trying to collect. You contacted me by email and identified the debt as owed. I am writing to formally request validation of the debt you claim I owe, referenced by the account number above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request specific information to verify the validity of the debt and your right to collect it. 

To properly validate this debt, please provide the following documentation : 1. Purchase Agreement : A copy of the purchase agreement or other legal documentation that shows Source Receivables Management LLC has full ownership of this account. This is necessary to confirm your legal right to collect on this debt. 
2. Original Contract : A copy of the original contract or agreement that bears my wet signature, along with the original date of the debt. This will help establish the origin and legitimacy of the claimed debt. 
3. Full Payment History : A complete payment history of this account, including all charges, payments made, and the outstanding balance. This will allow me to verify the accuracy of the amount you claim is due. 
4. Proof of Legal Right to Collect : Documentation that proves you are legally entitled to collect on this debt, whether by assignment or purchase of the account from the original creditor. 

Please consider this letter a formal dispute of the debt until such time as you provide the requested documentation. I expect a prompt and thorough response in accordance with the guidelines set forth by the FDCPA. 

Until I receive the requested information, I do not acknowledge any liability for this debt. I also request that all further communication be conducted in writing and sent to my address as listed above. 

Thank you for your prompt attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-11-11 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: NY

Complaint narrative:
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone used my SSN to apply for multiple XXXX  XXXX XXXX XXXX XXXX. Thankfully the accounts were not open but they are reflecting hard inquires on my credit history.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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

Complaint narrative:
Upon checking my credit report, I have discovered fraudulent acocunts, the accounts are XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX CARD with the account number XXXX opened on XX/XX/XXXX, XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX with the account number XXXX opened on XX/XX/XXXX, and I have also found fraudulent addresses XXXX XXXX XXXX XXXX, XXXX, OR XXXX | XXXX XXXX BABBLING XXXX XXXX XXXX XXXX, AZ XXXX and fraudulent hard inquiries XXXX XX/XX/XXXX | XXXX XXXX CO XX/XX/XXXX | XXXX XX/XX/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 2024-11-11 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have filed several disputes with Equifax concerning accounts that were paid in full but are still reflecting as negative accounts. I should not have any student loans debt in the negative. This was investigated and dept of educ reported my updated info. Also these accounts were paid in full .Smart sales, college foundation , XXXX XXXX XXXX  XXXX dept of educ XXXX acceptance now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: PA

Complaint narrative:
Representatives saying that they are from Tower Loan at XXXX have called me repeatedly, saying that I have outstanding debt with them. They ask for someone with my name but apparently a different address. When I tell them that they have the wrong person, they insist that they have the right number and ask me for personal information like my wifes name. I have asked them several times to check the number and stop calling me, but they become insistent. Most recently called at approximately XXXX XXXX on XX/XX/year>. I need them to correct their information, stop calling me and prevent them from taking any further action which may damage my credit profile or financial security.

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 2024-11-11 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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Was charged more than XXXX in illegal overdraft fees and was unable to see where to sign up for lawsuit that was already filed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: AZ

Complaint narrative:
I have analyzed my credit report and I have discovered fraudulent acocunts reported on it, XXXX XXXX TIRE with the account number XXXX opened on XX/XX/XXXX, XXXX  with the account number XXXX opened on XX/XX/XXXX, XXXX CARD with the account number XXXX opened on XX/XX/XXXX, XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX with the account number XXXX opened on XX/XX/XXXX, fraudulent hard inquiry XXXX XX/XX/XXXX and fraudulent addresses XXXX XXXX XXXX XXXX, XXXX, OR XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification.

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 2024-11-11 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent back a statement that read " ACCEPTED FOR VALUE Redeemed In Lawful Money Pursuant to 12 U.S.C. 411. All credits and debits must be settled and discharged in lawful money. I demand full discharge of this obligation in lawful money. Public Debt Obligation under 31 U.S.C 5118 ( a ) ( 2 ). ". I signed and included a Federal Reserve Note with serial number XXXX. The payment transaction was XXXX and posted XX/XX/XXXX. 

On XX/XX/XXXX I sent back a statement that read " ACCEPTED FOR VALUE Redeemed In Lawful Money Pursuant to 12 U.S.C. 411. All credits and debits must be settled and discharged in lawful money. I demand full discharge of this obligation in lawful money. Public Debt Obligation under 31 U.S.C 5118 ( a ) ( 2 ). Pay to the order of XXXX XXXX Date XX/XX/XXXX ''. I signed and included a Federal Reserve Note with serial number XXXX. The payment transaction was on XX/XX/XXXX and posted XX/XX/XXXX. 

I called on a recored line ( I recorded on my end as well ) on XX/XX/XXXX to try and understand why my account still has a balance due. I was informed by a member of the statements team that they have the right to decline conditional payments. I responded with " you didn't decline it. You accepted my federal reserve note as payment. ". He just continued to falsely state that they declined the conditional payment. You can't decline it and take the money. It's a total violation of my rights.

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

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 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I talked to a manager at OneMain. The 1st thing I would like to say is the I might be taking legal litigation under the laws of Harrassment Breach of contract The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using false, deceptive, or misleading practices. 

Not only did this person have a bad attitude towards a client but she also lied and used very illegal business practices in order to get me to pay The first false practice that this company made is by telling me that if I didnt pay a certain amount my account would be closed. But based on the amount they were asking me to pay I would have only been 60 days late. She specifically told me either pay this certain amount or your account would be closed. The amount she asked me to pay was {$730.00}. Which would bring my account current. And the policies on OneMain website doesnt state anything saying that if Im 60 days late that my account will be closed. 90 days late is possible but 60 is definitely not possible. They were attempting to use tactics of fear to get me to pay money I didnt have. Which is unlawful as a creditor. And it absolutely worked And after all of the scary tactics I made my payment on the XXXX which is my due date. For some reason the payment did not go through and Im thinking its because of this unpleasant conservation I had with the manager. OneMain was attempting to say that my funds were insufficient which I can prove to be completely false I have my statement from my bank which shows my account having over {$1000.00} the day of the XXXX and even after. If XXXX or OneMain isnt willing to help me by removing my late payments just by removing these late payments. I definitely will be goin through with any legal action I can. Which might be more difficult for everyone but atleast Ill be ensuring that this person cant do this to another client of OneMain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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