vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not expect my former employer to continually harass me by monitoring my credit and banking information, even after the termination of employment with this company. 
I have bills and other financial obligations that need to be paid. This negativity has to be stopped.

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 2025-01-03 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
There's been an unauthorized inquiry made on my credit report thru the web, I called the number for the inquiry it's robot and it automatically hangs up so there no one connected to this, please remove immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: VA

Complaint narrative:
This extends case id 's XXXX and XXXX. Furthermore Equifax nor any settlement handling company for Equifax settlement of lawsuit has not yet reached out to me since this multiple cases were filed on XXXX  The only thing i have received was an email saying i can recirve another payment of XXXX dollars and some cents i do believe it is onto of the XXXX dollars they sent me in a check. They have the whole breakdown and cost of how much it cost me to fix this {$8000.00}. I sent it in awhile back and demanded repayment. They did not respond just like they are not responding yo any of these CFPB messages nor even reaching out to me. THEY SIMPLY DO NOT CARE AND THAT IS WHY EQUIFAX SHOULD BE HIT WITH AMOTHER LAWSUIT. They sit there and get fined and order to pay back the people it affected however they offer around {$30.00} for the damages they have done when they clearly received the breakdown of {$8000.00} dollars in sent them of everything time and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Midland credit management on a matter that pertains to my credit. I have been a victim of fraud. I sent Midland credit management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked to remove Midland credit management the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland credit management and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Midland credit management. You can not because this is not my debt nor do I owe Midland credit management anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM MIDLAND CREDIT MANAGEMENT NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CT

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
There is information on my credit report about myself that is incorrect, including my name, address, and employer info. The name XXXX XXXX is not my name. I have also never resided in these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is incorrect. Their presence fails to meet the requirements under 15 USC 1681e ( b ) to ensure maximum possible accuracy in credit reporting. I'm asking for this incorrect information to be removed and fixed right away, as required by laws. My correct name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my employer information is XXXX XXXX. Failure to comply constitutes willful noncompliance under 16 USC 1681n, allowing statutory damages of up to {$1000.00} per violation, plus punitive damages.

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 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I struggled with this bill during the pandemic nordstrom didnt offer any help while all other companies was offering help thats not acceptable now they close the account and im suffering for it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for a credit card with Capital One and received a letter dated XX/XX/XXXX that I was not approved due to past or present delinquent accounts with them. They provided an address to send information to if I felt the information for the denial was incorrect. I wrote a letter explaining the incorrect information that was used for denial and to have it looked at and sent the letter out on XX/XX/XXXX. I had not heard anything on my request so I called on XX/XX/XXXX to follow up and see if the letter had been received and the process with it. I talked with the customer service rep and was transferred to a supervisor which neither one every would say if the letter had been received. They both asked if i wanted the information looked at and my response was yes but they would not proceed unless i gave permission to pull credit again. I asked them why credit needed to be pulled again when the mistakes are on part of Capital One and I am making them aware of the mistakes which is a company mistake and should be able to be verified in company. I do not understand why they need to hit my credit with 2 inquires for the same application, with the reason for denial being there are mistakes that I am making them aware of that was information provided by Capital One and could be verified in company to correct. They had already updated my credit reports with the zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NV

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am experiencing issues with incorrect information being reported to the credit bureaus. Despite my attempts to resolve the problem, the credit bureau has not taken any action to correct it, and it has now been more than 30 days. 

I have attached the documentation showing the inaccuracies. The records display different open dates and active statuses, with some accounts marked as open and others listed as closed. 

XXXX XXXX XXXXXXXX.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-03 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: MI

Complaint narrative:
There are clear inaccuracies on my credit report regarding certain accounts. This incorrect information is unfairly lowering my credit score and could hurt my chances of getting better terms on loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-01-03 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: IL

Complaint narrative:
" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have 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 explanation
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX I'm tired of being racially discriminated against.

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 2025-01-03 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: LA

Complaint narrative:
I recently applied for a car loan and was denied and i realize that i had accounts that was open NOT BE ME I called the companies and explain that i had no acknowledgement of such debt that they claimed I owe i asked for method of verification with my wet signature In blue ink none of these company could provide that information Please be aware that all negative remarks found on my credit report is a violation of ther FCRA and FDCRA when you can not furnish the validity of the remarks Please i ask XXXX AND XXXX AND TRANSUNION to please remove from my consumer report with in 5 business days Radius global Pro collect Credit bureau Credit management These company willing know that I asked for my signature and couldn't provide

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 2025-01-03 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: ProCollect, Inc.
State: LA

Complaint narrative:
I recently applied for a car loan and was denied and i realize that i had accounts that was open NOT BE ME I called the companies and explain that i had no acknowledgement of such debt that they claimed I owe i asked for method of verification with my wet signature In blue ink none of these company could provide that information Please be aware that all negative remarks found on my credit report is a violation of ther FCRA and FDCRA when you can not furnish the validity of the remarks Please i ask XXXX AND XXXX AND XXXX to please remove from my consumer report with in 5 business days XXXX XXXX  Pro collect Credit bureau Credit management These company willing know that I asked for my signature and couldn't provide

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