vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: Experian Information Solutions Inc.
State: CA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was charged off on XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to investigate this account properly and your neglect has violated my rights that I exercised from 15 U.S. Code 1681i. I am demanding a deletion of the following account : XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: LA

Complaint narrative:
I am writing to dispute the following information in my file. I have reviewed my credit report and found the following items to be inaccurate and/or incomplete : 1. XXXX XXXX XXXX XXXX The information reported about this account is incorrect. Specifically incorrect balance, and incorrect dates .According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and remove any inaccurate information within 30 days. Please send me written confirmation that these corrections have been made, as well as a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the fair credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

I told XXXX, TransUnion, an XXXX to reinvestigate these accounts. 

XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX 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 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 2024-07-03 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: WI

Complaint narrative:
In accordance with the fair credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

I told XXXX, XXXX, an Equifax to reinvestigate these accounts. 

XXXX XXXX XXXX  Account number XXXX XX/XX/XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX 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 2024-07-03 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: MS

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX / XXXX I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that i may follow up, please send me an updated copy of my dredit report after your reinvestigation.

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 2024-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp
State: TX

Complaint narrative:
I noticed a dip in my XXXX score on XX/XX/XXXX. After checking with credit bureaus, found out that there was a collections debt reported to XXXX for {$120.00}. The details state that this debt was delinquent as of XX/XX/XXXX, assigned to Property Receivables Corp in XX/XX/XXXX, and reported to the credit bureau on XX/XX/XXXX. At no point was I contacted in any way, shape, or form in an attempt to collect this debt. I have not received official letters, phone calls, emails, or any other form of contact regarding this debt. There has been no attempt to validate the debt or provide proof that the debt even exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit reports, and I noticed these inaccurate and inconsistent accounts. 
According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of purchasing a home for my family and this is hugely affecting me, in a negative way.

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 2024-07-03 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect 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 explanation
Consumer complaint received 2024-07-03 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: MI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: GA

Complaint narrative:
XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$2300.00}, a balance updated on XX/XX/XXXX, an original balance of {$2400.00}, an account opened on XX/XX/XXXX, status collection account, {$2300.00} past due as of XX/XX/XXXX, and responsibility individual. The original creditor is listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. I am disputing the validity of this debt in its entirety and the listing of XXXX XXXX  as the original creditor. Please investigate this account and remove the incorrect details. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: GA

Complaint narrative:
XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$2300.00}, a balance updated on XX/XX/XXXX, an original balance of {$2400.00}, an account opened on XX/XX/XXXX, status collection account, {$2300.00} past due as of XX/XX/XXXX, and responsibility individual. The original creditor is listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. I am disputing the validity of this debt in its entirety and the listing of XXXX XXXX  as the original creditor. Please investigate this account and remove the incorrect details. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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 am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TX

Complaint narrative:
I believed the economy was in a downturn, but upon reviewing my credit report, it's evident that my situation is far worse. The report is riddled with inaccuracies that are causing me XXXX  XXXX. I'm determined to assert my consumer rights, but it's disheartening to navigate this ordeal, especially knowing I can't even afford to see a XXXX  due to the low XXXX XXXX caused by these errors which is making me 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 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XXXX at XXXX I received a call from a navy fed number ( XXXX ) XXXX, on this call the guy on the other line was pretending to be a navy fed representative and I didn't know he was a scammer. He proceeded to tell me there was fraud activity in my account. and he said he can fix it as long as i provide some information first to verify that I was the owner of the account. He asked for my savings account number. Later that call he told me there was a loan applied for under my name. A personal loan for XXXX dollars. He then continued to try to resolve this problem in my account when in reality he was taking this money from me. He continued to tell me that I had to transfer the money from my account to XXXX  XXXX  so i can pay off this loan and I believed him. so, I was following his steps transferring the money to my XXXX XXXX. once the money was in my XXXX XXXX he then told me to send it back to a navy fed account he gave me the account tag and everything. after that is wasn't working because the payment was to much he then told me to transfer XXXX of the XXXX to XXXX XXXX to then transfer that XXXX XXXX to the same account which worked then he said he'll call me the next day to finish paying back this loan. On XXXX at around XXXX he called again to finish paying this loan back and we went through the same steps as the day prior but with the remaining XXXX  dollars of the XXXX loans. Then he said that there was another loan pulled out for XXXX under my name and that I needed to pay that back at this point I was getting suspicious and he said we can finish it the next day. When I went into work I explained what was going on to my chain of command and they told me I need to go to the branch and talk to them in person. and when I did so they told me it was a scammer calling me all along. Navy fed started their own investigation and as of today XXXX they said that they found no fraud on my account and I am now held liable for this XXXX loan even though I lost all the funds due to extortion and fraud on my account. I never signed for a digital loan I just got extorted to believe I was fixing the problem when I was just making it worst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NV

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file, hindering my ability to lead a normal life, and causing immense hardships. 

The negative impact of these inaccuracies has been profound, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
inaccurate and false accounts address jobs names collections and unauthorizes inquiries on my credit report. for XXXX and Experian. i also pay XXXX to avoid these errors and they refuse to remove it including information that was already removed has reappeared. 

XXXX XXXX ( Experian and XXXX ) XXXX ( unauthorized loan account previously disputed and removed reappeared on credit ) XXXX ( unauthorized loan account previously disputed and removed reappeared on credit ) XXXX ( unauthorized credit card previously disputed and removed reappeared closed but reporting balance updates monthly as late payments ) Inquires every month from XXXX ( XXXX only ) XXXX XXXX ( XXXX only ) XXXX ( fraudulent collection account disputed for over a year ) XXXX XXXX  ( Experian and XXXX ) XXXX ( unauthorized credit card previously disputed and removed reappeared closed but reporting balance updates monthly as late payments )

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 2024-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This is old XXXX  and cc debt that is over XXXX XXXX XXXX, they can not collect on it. Keep calling me from dozens of different phone numbers and then they never answer, they just keep auto calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TX

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief