vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
This company has contacted me many times before and has reported, twice, that they would stop. Today I received another voice-mail. I don't owe anyone, and haven't. There is no need for them to contact me. This time, I want more from them than a promise that they will stop. XXXX XXXX from Harris & Harris , LTD was the person who left a voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures regarding correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union has charged me hundreds of thousands of dollars in fees violating their OOPS program. They also put an astounding 21 % APR on a vehicle loan and falsely claimed reported transactions as legitimate when proof was provided fraudulent activity took place. Refusal to appeal decisions. Refusal to refund fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
Dear CFPB, I am filing a formal complaint against La Curacao for their failure to respond to my dispute letter dated XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ). In this letter, I specifically requested that La Curacao investigate disputed items on my credit report, provide a full audit trail, and remove any unverifiable or inaccurate information as required by law. 

Under the FCRA, particularly 15 U.S.C. Section 1681i ( a ) ( 1 ), credit furnishers like La Curacao are required to investigate a dispute and report back to the consumer within 30 days. As of today, I have received no response from La Curacao, nor have they taken action to investigate, provide the requested audit trail, or update my credit report to reflect accurate information. 

Relevant FCRA Violations 1. Failure to Investigate : Under Section 1681s-2 ( b ), La Curacao , as a furnisher of information, is required to conduct an investigation into any disputed information once they receive notice from the consumer. This includes verifying the accuracy of the information or deleting any information that can not be substantiated. La Curacaos failure to investigate or respond to my dispute directly violates this FCRA requirement. 
2. Failure to Report Investigation Results : According to 15 U.S.C. Section 1681i ( a ) ( 6 ), a credit furnisher must provide the consumer with the results of the reinvestigation within the specified timeframe. La Curacaos lack of response constitutes non-compliance with this requirement. 
3. Lack of an Audit Trail : In my dispute, I requested an audit trail and supporting documentation used to verify the disputed items. Under FCRA requirements, furnishers are obligated to provide any documentation that substantiates the accuracy of the information in question. By failing to do so, La Curacao has prevented me from verifying the accuracy of the information they reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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 XXXX XXXX Date open XXXX. XXXX, XXXX  Balance : $ XXXX DAYS LATE late dates XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately. 

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized. 

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately. 

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized. 

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

Thank you for your immediate attention to this matter.

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 2024-11-09 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, fXXXX XXXX XXXXAccount # XXXX Date opened XX/XX/XXXX Bal. {$0.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$710.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$700.00}, XXXX XXXXXXXX XXXXAccount # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX.Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX.Account # XXXX Date opened XX/XX/XXXX Bal. {$0.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$710.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$700.00}, XXXX XXXX XXXX.Account # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX.Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX 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 2024-11-09 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Sectio

n 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately. The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2.
Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized.

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed.

Thank you for your immediate attention to this matter.

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 2024-11-09 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have recently reviewed my credit report and found inquiries that I did not authorize, which I believe are the result of identity theft. These inquiries are negatively affecting my credit score, and I am requesting their immediate removal from my report. 

The unauthorized inquiries in question are as follows : XXXX XXXX XXXX  ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX  ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX ( Finance ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX  XXXX. ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX  ( Bank ) Date : XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX ( XXXX ) XXXX XXXX  Date : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Date : XX/XX/XXXX ( XXXX ) XXXX XXXX  Date : XX/XX/XXXX ( XXXX ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I've had two credit cards with Citibank for several years. One with a XXXX limit and one that was XXXX. I was using the cards and paying them off, or making large payments during that time. I started using them more often because they both had a type of cash-back feature, so they became my primary cards. My credit score was in the low to mid XXXX 's depending on my revolving balances on these and other cards. I have an absolutely perfect payment history. 

In XXXX, I had a XXXX limit, a XXXX balance, and my payment due was XXXX. 
In XXXX, Citibank decided, with XXXX notice, to cut my limit to XXXX and double my payment to XXXX. I had just used the card for a XXXX cash advance for the very first time, so my new balance left me with a XXXX availability. They then reported to the credit bureau that I was maxed out on that card, which negatively affected my credit score. 

Meanwhile, the following month on my other Citi account, I had a XXXX limit that they dropped to XXXX, just barely above my balance because I'd paid for a vacation deposit with that card, and reported that card as maxed out. 

As soon as these balances showed maxed, XXXX XXXX jumped on the bandwagon and slashed my credit limits on four accounts, that were at a XXXX balance, in response to what Citi did. Now with my revolve balance to available credit ratio completely destroyed, my credit bureau rating has dropped by almost XXXX points. 

None of this was necessary. I have XXXX problem making my payments, I have never missed a payment, but Citi went out of their way to negatively impact my 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 2024-11-09 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: IN

Complaint narrative:
To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

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 2024-11-09 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: IN

Complaint narrative:
To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

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 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: MA

Complaint narrative:
I XXXX XXXX hereby attach documentation showing proof of a XXXX XXXX XXXX petition filed XX/XX/XXXX, and completed with disbursements XX/XX/XXXX. My husband and I successfully completed our XXXX XXXX  and adhered to every instruction of the trustee of our case. However, several of my previous creditors that I had prior to the original filing in XXXX have maintained an ongoing record of the account in question, and in some cases passed my personal information onto debt collectors or buyers in violation of the Fair Debt Collection Practices Act. I hereby demand that any information pertaining to XXXX XXXX be purged immediately and permanently. I also request the Consumer Financial Protection Bureau to levy fines against these creditors and/or debt buyers for the violation of an American consumers constitutional rights. The transfer of my personal information while XXXX was either pending or discharged is a deplorable act. Accordingly, I demand that any information to past accounts be deleted on all three major credit bureaus, XXXX, XXXX, and XXXX XXXX respectfully. Please send notification to the three major credit bureaus to delete all information and purge my information permanently. 
XXXX XXXX

Company response to consumer: Closed with explanation