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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.This inaccurate fraudulent account that's showing on my credit report is XXXX XXXX XXXX that needs to be removed.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past nine years, with no association to XXXX XXXX XXXX or 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I satisfied the condition of my XXXX  XXXX Bankruptcy and need to be removed from all reporting agencies. Bankruptcy filed on XX/XX/year>. Its been 7 years. I need to XXXX  XXXX  XXXX  and need the most optimal credit score to qualify for private loan money. Also, I was a victim of 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
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I satisfied the condition of my XXXX  XXXX Bankruptcy and need to be removed from all reporting agencies. Bankruptcy filed on XX/XX/2017. Its been 7 years. I need to XXXX XXXX XXXX and need the most optimal credit score to qualify for private loan money. Also, I was a victim of identity theft.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I had a {$15000.00} credit card with Navy Federal and I was being charged both overdraft and fees for over 5 years. When it will show me my balance, but when I make a charge, I realize there were not really that amount in the account. I will then get penalized for it. Also, when I make a payment, it would take over a week to process and then I would get penalized for not covering the balance I had. Lastly, When I finally came into money and decided to pay off my whole {$15000.00} balance, Navy Federal took my credit card away from me immediately. That is not good business at all. They had to have made over 4x the amount that was given to me as credit, only to take my access away from the card all together after I paid it off. I still Needed the card.

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: 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I opened an apple card and I did not receive statements of billing, or any notice that there was a balance or bill due, right from the start. I tried to find my account information and websites said it was supposed to show up in my Apple XXXX XXXX and it did not. Their emails were found months later in my spam folder. A {$35.00} payment was due which they said was missed therefore. this went past 60 days and caused a XXXX point drop on my credit report. Was near XXXX, now XXXX. Nothing was done to correct their app error or lack of billing, zero notice of the account opening, paperwork, or billing. Once I found the error and heard from them, I paid the full {$1200.00} balance to stop doing business with them. They handled this poorly each time as if I were trying to avoid paying them. Quite rude. Did not handle the dispute well at all. A Goldman Sachs rep told me " they would get it fixed '' and then did not. The damages are significant. Increased car loan interest rates making my new payments 15 % higher. XXXX point drop in my credit score. Financing for anything for me now costs 15 % more. This late fee should be removed from my Apple Account on my credit score with XXXX and other bureaus. I have a very high income as president of a company and I realize mistakes happen, but this {$35.00} is trivial and should not have occurred. Their app didn't work. I did not receive billing. I think the fact that I immediately paid the {$1200.00} balance is an indication I wasn't struggling to make their {$35.00} pyament to support my claim. Thank you for looking into this.

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: TX

Complaint narrative:
These XXXX corporations are reporting on my account XXXX and XXXX XXXX  which XXXX charged off and a account meaning they sold the account to another corporation, Ive asked Experian, XXXX and XXXX to get the following information from these corporations including a contract with my signature of me authorizing giving these companies consent to report my name and social security number to anybody. Im simply asking these bureaus to cease and desist and send me a personal letter explaining they complying to this letter

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when I received XXXX XXXX XXXX on the same day on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. I received a bill from a debt collector named I.C System stating I owed XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when the XXXX  care took place I am not responsible to pay this bill. I went to the XXXX XXXX XXXX XXXX to get assistance to resolve this issue. XXXX XXXX Phone # XXXX XXXX at XXXX XXXX XXXX XXXXXXXX helped me resolve this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX contacted XXXX  XXXX XXXX and gave them the proper company to bill for this XXXX  bill. XXXX  XXXX XXXX proceeded to bill the correct party responsible for the bill in XXXX of XXXX. I spoke to XXXX  XXXX XXXX 4 to 5 times for updates. XXXX  XXXX XXXX told me they took my charges out of default in XXXX or beginning of XX/XX/XXXX and I had a XXXX balance and they were in the process filing a claim with the proper responsible party currently the bill is now been written off. 
XXXX  XXXX XXXX also told me they recalled the debt from the debt collector I.C. System. I spoke I.C. Systems multiple times since then. I.C. Systems is telling me that the debt has not been recalled and I still owe the balance. I.C. Systems keeps telling me they will not contact XXXX  XXXX XXXX to resolve the issue it has to be done electronically. XXXX  XXXX XXXX told me every time I've called they have recalled the debt from I.C. System. I was then transferred to I.C. System Consumer Affairs Department where they told me my debt has to be recalled again and until then I still owe the balance but they would offer me a settlement. I asked since they will not contact XXXX  XXXX XXXX to resolve this issue if there was any other way I could resolve it and they told me I can get a letter from XXXX  XXXX XXXX saying I have a XXXX balance and to send it in and they can possibly remove the debt that way. I then called XXXX  XXXX XXXX again and they transferred me to a supervisor at named XXXX who said they have recalled the debt and he would escalate the situation with the department who handles the 3rd party debt collectors and that department will send me a letter stating I have a XXXX balance which they have not sent.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
I get continued calls from debt XXXX XXXX XXXX, under my then married name XXXX. I am already paying one collection company and I don't believe there is anything else. I don't answer there calls just block. Now they have started calling my husband 's phone. The repeated phone calls drive me a bit crazy, please help. I believe it's Discover card.

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: FL

Complaint narrative:
This account has a first late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXX XXXX # XXXX ( CLOSED )

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

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: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I have no knowledge of this account I was told its nothing they can do at the moment

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: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Care credit by synchrony bank.. I got a card to help pay some for some dental work being done. I made my first payment in XXXX of XXXX dollars. I got no communication from the company that the payment wasnt processed, I then paid my XXXX and XXXX balance on XX/XX/XXXX online then called I and the automated system confirmed the payment. I proceeded with everyday life and tried logging in today to pay my XXXX balance to get a month ahead and found my account closed without notification or communication as to why!!!! They said my payment of XXXX for XXXX and XXXX had been declined and not process while the automated system told me it was processed and so did my online account. I would like my account restored due to no communication from the company of my payments not being processed. I did pay the balance and a month ahead today and have another confirmation number.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account XXXX XXXX  should not be reporting on to my credit report I have agreed to pay this account off and have one payment but they are still reporting this inaccurate account on my credit reports XXXX XXXX is violating many on my consumer rights Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX  I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account XXXX XXXX should not be reporting on to my credit report I have agreed to pay this account off and have one payment but they are still reporting this inaccurate account on my credit reports XXXX XXXX is violating many on my consumer rights Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This account XXXX XXXX should not be reporting on to my credit report I have agreed to pay this account off and have XXXX payment but they are still reporting this inaccurate account on my credit reports XXXX XXXX is violating many on my consumer rights Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX XXXX XXXXXXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days

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