vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-17 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:
Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX, I have forwarded correspondence requesting the immediate blocking and deletion of fraudulent accounts. THIS IS MY SECOND NOTICE. I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX 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 I have attached the following documents to substantiate my claim : 1.A copy of my FTC Identity Theft Report ( www.identitytheft.gov ). 
2.A copy of my government-issued ID for verification.

3.A utility bill or other proof of address. 
As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed. If you require further documentation or information to process this request, please contact me immediately at the phone number or email address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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 request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

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 2024-12-17 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 request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

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 2024-12-17 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: NJ

Complaint narrative:
Ive noticed that my credit report includes hard inquiries I did not authorize. This incorrect information breaches 15 USC 1681c-2 and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
On XX/XX/year>, I reached out to XXXX for assistance with payment of my utility bill and was told that I qualified for {$150.00} payment. I would need to pay a subscription fee of {$14.00} plus a first payment installment of {$58.00} which was paid on XX/XX/year>. I received an email from XXXX after my payment was made stating that my bill can not be paid electronically and that a check will be mailed instead and should be received within XXXX business days no later than XX/XX/XXXX which is the due date for my bill. Unfortunately, I confirmed with my landlord on XX/XX/year> that they never received the check payment. I reached out to XXXX on numerous occasions to request a refund and cancel my account and not report any information on my credit due to me not receiving the services that was advertised. I received a refund of {$58.00} on XX/XX/year> but I did not receive the refund of {$14.00} so I reached back out to XXXX. Eventually, I received the refund of {$14.00} on XX/XX/year> and per my communication with XXXX, my account was canceled. I received a credit alert from Transunion stating that XXXX has reported the cancelled account to my credit report with a credit limit of {$450.00}, with a balance of {$110.00} owed, and monthly payment of {$38.00}. I have reached out to XXXX to have this corrected and completely removed from my account just for me to not get a response. This inaccurate reporting has impacted my credit when it should have never been reported in the first place.

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 2024-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am reaching out to you ( XXXX  ) again for two reasons. One, I was never able to resolve the overbilling from the company ( XXXX ) in the complaint. Two they referred me to a collection agency without properly disputing my claim.

I used their services one time in an emergency due to my pets being ill. I have no history with this vet, have never shopped with this vet nor used this vet before. 

I disputed the bill with the agency, asking them to prove that I owed them, but I received no response, I sent a letter to the home office and did not receive a response. In XXXX I noticed my card had a charge on it from XXXX local store for some routine services ( I called the customer service line and explained I did not need nor want the services, I was not a regular customer there nor lived near their store, and the rep refunded my money and said thank you. The rep. said I would no longer be charged for any other services. Customer service then reversed the charges as you can see from their statement, that was just provided to I.C. Systems. 

I explained that at the time of service, I paid over {$700.00} for the treatment and testing of my 2 dogs who were ill and the use of their services ONLY because they saw dogs on the same day. 

Why would they bill me an additional {$1000.00} for services not rendered, not asked for, not agreed to use, and not at my regular vet? History will show that I visited the location ONE TIME AND ONE TIME ONLY. I have asked for my receipt for proof of purchase, and they will not provide it either from the home office. 

The agency ( I.C. System, Inc. ) requested proof from XXXX, and XXXX forwarded over a printout for monthly payments of {$48.00}. total {$1000.00}, ok this does not mean anything, again that same printout shows that I stopped those payments on my credit card for services I was not using. The printout they submitted shows I was even charged a membership fee of {$49.00} + {$64.00} total of {$110.00}. Technically, XXXX owes me {$110.00} for services I have not used. 

Furthermore, I did a little more digging and created an account ( today ) on their website and went to my bills for my pets and it does not even show bills due or paid for the last 12 months. I am also attaching screenshots of that. 


Please file this claim on my behalf. I am including the latest information I received today.

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute the legitimacy of an account reported under my name and held with your institution. Upon further review, I have identified substantial violations of the Truth in Lending Act ( TILA ), which require immediate rectification. The findings indicate that the account in question is fraudulent, as the fundamental obligations for clear and transparent disclosures under TILA were not fulfilled. Specifically, SALLIE MAE BANK INC failed to provide the following mandatory disclosures as required by federal law under TILA : 1.Inadequate Disclosure of Terms and Conditions : The agreement associated with this account did not include complete and accurate details regarding the loans terms, including interest rates, fees, repayment schedule, and penalties. These omissions left me without a clear understanding of the financial obligations tied to this account. 2.Failure to Ensure Full Understanding and Authorization : The application process and subsequent agreement were executed without verifying my consent or ensuring my comprehension of the financial terms. There is no evidence that I authorized the opening of this account. 3.Non- Compliance with Initial Disclosure Requirements : TILA mandates that lenders provide borrowers with all required disclosures before consummation of the agreement. The absence of these disclosures violates my rights and renders the account illegitimate. Given these significant violations, I assert that this account is fraudulent. I demand immediate action to resolve this matter and restore my financial integrity. Requested Actions : Immediate Investigation : Conduct a thorough review of the account to verify its authenticity and identify where compliance with TILA failed. Account Closure and Removal : Acknowledge that the account is fraudulent and take immediate steps to close it. Ensure all references to this account are removed from your systems and any third-party reporting agencies, such as credit bureaus. Written Confirmation of Resolution : Provide me with a written acknowledgment that the account has been deemed invalid, along with confirmation that no further claims or liabilities will be associated with this fraudulent account. To assist in your investigation, I have enclosed copies of relevant documentation, including my government-issued ID and a FTC report attesting to the fraudulent nature of the account. 

SALLIE MAE BANK INC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
Ive found that the account XXXX XXXX XXXX  under XXXX is inaccurately reported as CollectionOrChargeOff on my credit report. You indicated this account was opened on XXXX with a last activity date of XXXX, which isnt correct. Please delete this account now. 

You also listed the last verified date as XXXX. According to 15 U.S.C. 1681i, I have the right to know how this information was verified. I also need proof that I owe {$2200.00}, as I contest this amount. 
Based on XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inaccuracies must be addressed. Please proceed accordingly. 

As of Monday, XX/XX/XXXX, updated account went from : XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$2200.00} Closed Date : -- Credit Limit : -- Creditor Remarks : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT Creditor Type : CollectionServices Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$2200.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : CollectionAttorney TO : Original Creditor XXXX XXXX XXXX Company Sold Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$2200.00} Balance Updated : XX/XX/XXXX Paid Off : 0 % Monthly Payment Past Due Amount : {$2200.00} Original Balance : {$2200.00} Terms : - Responsibility : Individual Your Statement : - Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) THIS ACCOUNT HAS BEEN REPORTING MISINFORMATION FOR QUITE SOME TIME AND EACH HAS BEEN INACCURATE AND FRAUDULENT.

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 2024-12-17 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: PNC Bank N.A.
State: OR

Complaint narrative:
PNC bank reported my mortgage account has late payments. 

In accordance with Fair Credit Report Act, PNC Bank has violated my right.

15 U.S.C. 1681 section 602 of the Fair Credit Reporting Act ( FCRA ) states I have the right to privacy.

15 USC 1681 Section 604 A section 2 of the Fair Credit Reporting Act ( FCRA ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

Section 605B. It is illegal to report information on my report without my permission.

Please permanently delete late payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CREDIT UNION Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with NAVY FEDERAL CREDIT UNION. I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over { {$600.00} }. Please also enclose a printed copy of my payment history or you may also email it to me at the email that you have on file. Please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above.

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 2024-12-17 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-17 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 urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CT

Complaint narrative:
noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain 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 2024-12-17 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: FactorTrust, Inc.
State: TX

Complaint narrative:
Conforming to federal guidelines and applicable state mandates, no individual ( s ) can report injurious details if diverged from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and/or certifiable compliance of reporting mandates.

Particularly, an infraction occurs if and when a reporter ( s ) and/or any receiving repository ( ies ) act willfully NON-adequately and/or in seeming negligent ignorance and/or with reckless abandon as related to expectations and actual credit reporting behaviors.

Failure to ensure adherence to established credit reporting standards does NOT necessarily lend to factually erroneous or incomplete claims being allowed to report injuriously and unfairly against a consumer ; however, it is not contestable that the very deliberate nature of standards in the industry is to better afford participants to act in greatest accord to contingency ( ies ) legally. 

Hence, the XXXX own XXXX manual detailing the requisites for alleging consumer facts, within the essentially applied XXXX XXXX Data-filled Field Formatted reporting standard ( s ), of which there can be no deviation from without endangering the integral probity, let alone rectitude, of claim ( s ) made by any reporter and accepted by any repository of consumer credit information.

It is the lack of provable integrity that lays the very foundation for a potentially injured consumer to be concerned about any claim ( s ) s suspicious information forwarded that lacks certainty of fact.

For this and other reasons I will outline further below, I DEMAND THAT YOU REMOVE NOW, and until certifiably compliantly reported, THESE CURRENTLY IMPROPERLY DESCRIBED ALLEGATIONS. Be it inept due to reporter failure to satisfy privilege to report, or due to any involved body of claim failing to successfully navigate through and beyond the challenge I have presented, I demand each such being to confirm document evidence demonstrating factual certifiable compliant reporting procedures, practices, and standards were absolutely adhered to in full accordance with mandates that any MUST have obeyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief