vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-13 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: NC

Complaint narrative:
Subject : Request for Copy of 1099-C Debt Cancellation Letter and Written-Off Amount Details To : Experian Private Reporting Agency ; The accounts listed are being reported inaccurately, and have not and can not be verified by the Creditors nor Experian as follows : XXXX. ) XXXX XXXX Acct # XXXX, XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XXXX Acct # XXXX, XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX, XXXX Upon recording the phone conversations while speaking to the above-listed Creditors on XX/XX/XXXXXXXX  I have found and recorded evidence that Experian is intentionally and wilfully reporting unverifiable, and inaccurate information concerning the above-listed consumer accounts on my consumer credit report. All three Creditors mentioned above have received my Legal Cease & Desist Notices and have sent a confirmation letter via U.S. Mail confirming their legal duties to Cease & Desist all Inaccurate verifications, credit reports, and contact regarding me and the above-listed accounts. Furthermore, XXXX XXXX and XXXX XXXX XXXX XXXX have verified that both accounts have been written off and by doing so can no longer collect on the debts nor report to my credit profile ; also evident on my Experian Consumer Report. All three Creditors directed me to Experian concerning the intentionally inaccurate reporting. 

I am formally requesting a copy of the 1099-C Debt Cancellation letter for my records, as well as the exact amount of the write-off of debt. Given that this debt was written off and canceled for an amount exceeding {$600.00}, it has been written off as a complete loss according to IRS regulations, which stipulate that a 1099-C must be issued in such cases, which has not been the case. 
In accordance with federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations, the reporting of this debt should reflect its canceled status, and any right to further collection is forfeited. Congress and federal oversight agencies such as the CFPB, FTC, FDIC, and SEC have established that written-off debts, especially those reported to the IRS as canceled, are no longer eligible for collection or reporting on credit files. I expect your compliance with these laws and appreciate a prompt response.

Further reporting by Experian of the above-listed accounts shall result in litigation for defamation of character and Civil Liability for injuries that occurred per the FCRA and CFPB.

Thank you for your cooperation in this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX. All Rights Reserved. Copyright Notice

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 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C.
State: FL

Complaint narrative:
I was exploring options to refinance my two-month-old auto loan, which currently has a 6.74 % interest rate with 75 months remaining. While using XXXX XXXX, I was shown various lender offers tailored to my credit profile, including an offer from Tresl advertising a 5.71 % interest rate for 84 months with an excellent chance of approval. I have excellent credit and expected that rate to be available to me. 

However, after providing Tresl with all my information and undergoing a hard credit inquiry, I was instead offered a 7.42 % APR for 84 monthssubstantially higher than the advertised rate. When I inquired about the discrepancy, Tresls response was, We can try again in 6 months when there is more equity in the vehicle, despite the fact that I had clearly disclosed the loans recent origination date and my goal of refinancing for a lower rate and payment.

This experience felt misleading and disappointing, as Tresl was fully aware of my situation and the original offer I received on XXXX XXXX. I am seeking resolution to this issue, as I believe it reflects deceptive advertising practices and a lack of transparency in the lending process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive noticed unauthorized hard inquiries on my credit report that conflict with 15 USC 1681b ( c ) ( 2 ). These are affecting my credit, so please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My recent credit report shows several accounts I believe were added without permission and are incorrect. Please block and remove these fraudulent accounts from my report right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-11-13 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
MicroBiltAttn : Consumer Affairs Department XXXX XXXX XXXX, GA XXXX Website : microbilt.comPhone : XXXX or XXXX ( Option XXXX ) I am requesting a Security Freeze on my consumer report to prevent credit, loans, and services from being approved in my name without my consent. I understand that this freeze may delay or interfere with any subsequent requests or applications I make regarding new credit, loans, or services. Please confirm the implementation of this freeze via the contact details provided above. 

Thank you for your attention to this matter. 

Sincerely,

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX : XX/XX/year> | XXXX : XXXX RE : Trafficking Block Request Dear Sir or Madam : This my second time contacting you about me being a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( s ) resulting from trafficking that should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-11-13 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal charged overdraft fees that caused my account to close because the total was so high. I tried to explain that some of the charges were fraudulent but they kept adding fees. I have 2 accounts they closed a business and a checking. At this time I can only deposit into my accounts thats all. Because they opened new accounts after the closed them both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE HELP ME AS THESE FRAUDULENT ACCOUNTS ARE ABSOLUTELY NOT MINE. PLEASE HELP TAKE THESE OFF FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
Unauthorized inquiries have appeared on my credit report, which violates 15 USC 1681b ( c ) ( 2 ). This incorrect information is damaging my credit score. Kindly remove all such entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, recently received a copy of my credit reports, I noticed a lot of unauthorized credit inquiries on each report that I did not give any consent to run my credit profile. Please be advised that by law no inquiry can be placed on my credit without my authorization. I need these following inquiries to be removed immediately from my credit report. 
TRANSUNION- 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 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 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 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 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 XXXXXX/XX/XXXX ). Also be advised that the Fair Credit Reporting Act states that any information that is maintained on an individual 's ( XXXX XXXX XXXX XXXX ) credit report must be accurate. This includes unauthorized inquiries. Please send me an updated copy of my credit reports after these unauthorized inquiries has been removed.

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 2024-11-13 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: LA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have had multiple overdraft fees and late fees charged to my account. Plus they closed my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
I am writing to inform you that I am a victim of a data breach, and I am formally requesting the removal of the fraudulent accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following bankruptcies were fraudulently added to my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the following fraudulent inquiry : XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have landed on financial hardship and I reached out to the company to get help with the late fees since the late fees are more than what is owed in the missed payments. They keep sending me emails to reach out to them so they can help me with catching up and get back on track. My minimum payment is {$25.00} and the late fees are {$40.00}. How is it right that I have to pay more on late fees than on my actual missed payments and how can you ask the customer to reach out for assistance then deny the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: TX

Complaint narrative:
XXXX Dear Sirs : I received your notice of withdrawal, cancellation or denial and it is incorrect. The letter states the application was declined ... I made it clear to the Agent that I request my application to be withdrawn..The reason being I was ask to pay a additional cash payment of {$10000.00} dollars to the Company.. 
Due to false information given by your agent and the underwriting dept .I am turning you in to the Federal trade commission and the Bureau of Consumer Finance Protection . 
Due to the false statements that I received during the process and now false claims on my record. I am letting you know that I'm typing up a letter to send out to both agencies of the unfair practices that I received from this Company... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX...

Company response to consumer: Closed with explanation