vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: MD

Complaint narrative:
I, XXXX XXXX, noticed several discrepancies on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I identified personal information that was incorrect, as well as accounts that were reporting inaccurate payment histories. 

In particular, I discovered that certain accounts were incorrectly marked as " late, '' even though my payments had been made on time and as agreed. These inaccuracies include accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and several others. The accounts in question are inaccurately reporting my payment history, and I have requested that they be updated to reflect " paid as agreed '' or " never late. '' Furthermore, I identified several accounts listed as being associated with creditors and collection agencies, including XXXXXXXX XXXX  XXXX XXXX, XXXX, and XXXX, among others. I have requested that these accounts be deleted immediately, as they do not accurately reflect my credit history or I believe they may have been reported in violation of the law.

I also mentioned that I had previously attempted to resolve these issues with the credit reporting agencies and the credit grantors involved, but I was unsuccessful. I have now formally requested the removal of the inaccurate entries from my credit report.

If these issues are not resolved within 30 days, as required under FCRA Section 611 ( a ) ( 1 ) ( A ), I intend to pursue legal action in federal court, naming the credit reporting agency, the creditors, collection agencies, and any other involved parties. I also stated that I do not consent to the use of automated verification methods such as e-Oscar, as I believe they are not sufficient to ensure accuracy. 
Finally, I made it clear that if the situation is not addressed within the 30-day timeframe, I would consider pursuing a small claims lawsuit for up to {$1000.00} per violation for the following potential claims : Defamation, Negligent enablement of identity fraud, Violations of the FCRA.

This is in accordance with the provisions outlined in the U.S. Code, specifically the Fair Credit Reporting Act ( FCRA ), which outlines the procedures for disputing inaccurate information on credit reports and the civil remedies available for violations.

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 2024-11-21 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Loan Paid in Full : The loan associated with this credit card was paid in full at closing, in compliance with XXXX XXXX ( Statement of Financial Accounting Standards No. XXXX ), which states that loan proceeds credited to a customers demand deposit account constitute a cash receipt by the customer, meaning the loan was effectively paid off. 

Late Payments Reported : Despite the loan being fully paid, the account reflects XXXX late payments. This is incorrect, as there should not have been any outstanding payments after the loan closure. 

Refund Due Under Public Law XXXX ( XXXX ) : As per Public Law XXXX ( XXXX ), the loan was discharged through credit, and I am entitled to a refund of any prepaid amount that remains on the account. 

Account Status and Correction : The account was closed in XX/XX/year> and marked as paid. However, it still reflects an inaccurate history of late payments, which should be corrected. Additionally, there has been no refund issued for the prepaid loan balance, as required by 15 U.S. Code 1666d. 

Requested Actions : Refund of Prepaid Loan Balance : I request that the prepaid loan balance be refunded pursuant to 15 U.S. Code 1666d. 

Correction of Credit Report : I request that Navy Federal Credit Union correct the credit report to reflect that the loan was paid in full and update the account history to remove the inaccurate late payment entries. 

Clarification of Loan Status : I request a clarification of the loan status, ensuring it accurately reflects that no further payments are required, and the account was paid off as of XX/XX/year>. 

Thank you for your attention to this matter. Please review the details and take the appropriate steps to address this complaint. I appreciate your timely assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-11-21 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
There are accounts on my credit report linked to ongoing litigation, which are currently unresolved.

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 2024-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX is the employee ID number for CITIBANK - XXXX was the employee, however I have received numerous calls from them. That is harassment. If you think I owe any debt to your company send proof in writing only VIA MAIL. 
According to 15 USC 1692 may not harass or annoy. 
I revoke all calls, texts, emails. 
Please provide me XXXX form that I have continuously asked for, or I will take legal action. 
I demand all of these requirements.

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 2024-11-21 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: LA

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. List all accounts : "

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Public information is inaccurate therefore I would like to dispute all inquiries on my credit report due to information being inaccurate I dont have any knowledge of any of these things

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Public information is inaccurate therefore I would like to dispute all inquiries on my credit report due to information being inaccurate I dont have any knowledge of any of these things

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 2024-11-21 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: FL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-11-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-11-21 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Formal Complaint Against Experian for Non-Compliance with FCRA 605B and Failure to Address Fraudulent Items in My Credit Report To Whom It May Concern, I am filing this complaint due to Experian 's willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 605B, in relation to fraudulent items on my credit report that I have disputed. Experian has failed to remove these items despite being provided with comprehensive documentation, which includes my identity theft report, proof of address, government-issued identification, and additional documentation linking me to a data breach incident. 

Summary of Noncompliance and Violations : I first submitted a dispute to Experian, along with all required documentation, citing my rights under 605B of the FCRA, which clearly mandates that credit reporting agencies must block any information that resulted from identity theft within XXXX XXXX XXXX upon receipt of such notification. Experian 's failure to act not only violates 605B but also disregards the legislative intent behind the FCRA, which is designed to protect consumers from the severe consequences of fraudulent reporting and identity theft. 

Experian 's failure to act appears to be in direct contravention of the court 's stance in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where it was established that credit reporting agencies bear significant responsibility in ensuring accuracy and must adequately address disputes involving identity theft. By refusing to block these fraudulent entries on my report, Experian is knowingly and willfully neglecting this duty. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court underscored the consumer 's right to a fair investigation by credit reporting agencies. In failing to fulfill their legal obligations, Experian has also demonstrated non-compliance with the CFPB 's XXXX bulletin on credit reporting agencies ' responsibilities in the handling of identity theft complaints. 

Attached you will find proof of my previous attempts to dispute the fraudulent accounts on my consumer report with Experian, proof that I was a victim of the XXXX XXXX XXXX, Proof of ID, SSN, Proof of address, and the FTC Affidavit listing the fraudulent Kikoff Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX XXXX XXXX Experian for Non-Compliance with FCRA 605B and Failure to Address Fraudulent Items in My Credit Report To Whom It May Concern, I am filing this complaint due to Experian 's willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 605B, in relation to fraudulent items on my credit report that I have disputed. Experian has failed to remove these items despite being provided with comprehensive documentation, which includes my identity theft report, proof of address, government-issued identification, and additional documentation linking me to a data breach incident.

Summary of Noncompliance and Violations : I first submitted a dispute to Experian, along with all required documentation, citing my rights under 605B of the FCRA, which clearly mandates that credit reporting agencies must block any information that resulted from identity theft within XXXX XXXX XXXX  upon receipt of such notification. Experian 's failure to act not only violates 605B but also disregards the legislative intent behind the FCRA, which is designed to protect consumers from the severe consequences of fraudulent reporting and identity theft. 

Experian 's failure to act appears to be in direct contravention of the court 's stance in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where it was established that credit reporting agencies bear significant responsibility in ensuring accuracy and must adequately address disputes involving identity theft. By refusing to block these fraudulent entries on my report, Experian is knowingly and willfully neglecting this duty. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court underscored the consumer 's right to a fair investigation by credit reporting agencies. In failing to fulfill their legal obligations, Experian has also demonstrated non-compliance with the CFPB 's XXXX bulletin on credit reporting agencies ' responsibilities in the handling of identity theft complaints. 

Attached you will find proof of my previous attempts to dispute the fraudulent accounts on my consumer report with Experian, proof that I was a victim of the XXXX XXXX XXXX, Proof of ID, SSN, Proof of address, and the FTC Affidavit listing the fraudulent Kikoff Account.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
Account Reporting on my credit reports and I dont know what it is- I have attempted to solve this issue with the creditor with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation