vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 6 ( o ) ( 2 ), I assert my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ) ( also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have reviewed my credit report, and I have identified inaccuracies regarding late payments reported by XXXXXXXX XXXX. The late payments reported are XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a consumer, I have the right to ensure that the information reported on my credit report is accurate and up-to-date. Under 15 USC 1681 Section 6 ( o ) ( 2 ), I am entitled to privacy regarding the information contained in my credit report, and any inaccuracies can have significant consequences on my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
I received XXXX statements in the month of XXXX when I called to inquire about the statements I was told I couldn't get any information due to my status pending in their system with my bankruptcy. So from I tried to if I could speak with someone in the department who handles those accounts still nothing, from this point in I received a call stating I was late on my mortgage which I known I had been making my monthly payments on time. When I asked about my XXXX payment no one could give any information. So now I'm in the XXXX and now being put in the credit for something that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
There are some fraudulent inquiries 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 2024-04-10 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: MA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is XXXX  to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2024 approximately around XXXX, I received a call with a call ID stating Navy Federal Credit Union XXXX The representative stated that appears that fraudulent activity was on my account. The representative stated that someone attempted to use my credit information for XXXX XXXX and attempted to log into my accounts with Navy Federal Credit Union. I did not give them any information. However, the representative stated all my account information that were in the account. The representative stated that the account will be inactive and that I should receive a new card in one to two days. A few hours later, I was unable to log in to my account. I immediately contacted Navy Federal Credit Union as stated when trying to log in. I spoke with a representative there and she stated that it seems to be fraudulent activity and that the person who called me impersonated as a Navy Federal Credit Union Representative. Navy Federal Credit Union also stated that the impersonator was opening up a loan and transferring funds while the impersonator called me. At this time, Navy Federal has closed the old accounts and I had to start over with new accounts, cards, and checks. The fraudulent loan that I have never seen a signed contract for has been placed on all three creditors. No funds were dropped into my account from a loan but taken from my XXXX XXXX Account. I placed a fraud alert will all creditors including a freeze. I have file an Identity Theft Report. I have filed a Consumer Report to the FTC. I have also, filed a Declaration of Forgery/ Fraud with Navy Federal Union . I have filed a police report with XXXX XXXX XXXX XXXX Report # XXXX. As of today. I feel that my account is a target and its being monitored when I go online to send a text or when I call. I also, feel that my money is not secured there. I have been sending a text thru the Navy Federal Portal to get the status of my funds and the status of the Fraudulent loan. As of today, I received a text in the Navy Federal Credit Union portal stating that my claim has been denied by the investigator and that I can call them regarding the claim. I dont think that the communication thru the portal is Navy Federal . I dont know who to trust with my information. I received a call on a Sunday XX/XX/2024 and someone from Navy Federal Credit Union left a message. My phone accidentally hit the number at XXXX. However, as soon as I was hanging up the phone another number was calling me at the same time calling from XXXX but would not answer. It is like they are monitoring the calls when calling Navy Federal Credit Union main number which is XXXX. Please assist. Please assist. XXXX

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 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
I was told by a representative at XXXX that if I pay the money owed in full for both accounts, they would delete the accounts completely from my credit report in 30 days. I paid the company in full for the account in certified funds on XX/XX/2024 and the accounts still appear on my credit report. After they made an agreement with me that they would delete the accounts from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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 reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-04-10 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: TN

Complaint narrative:
I am writing this complaint because upon review of my credit report and consumer disclosure reports, I noticed an account on my credit report associated with a company called XXXX XXXX XXXX was being re-aged. The last time I paid on this account was back in the year XXXX between the months of XXXX or XXXX. The account was charged off on XX/XX/XXXX. Currently the date of last activity reports that I have been active on this account as of XX/XX/XXXX which is factually false, misleading, and inaccurate. This account has been exposed to fraudulent activity and I want it blocked and removed from all consumer reporting agencies immediately! It violates the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) and FCRA section 605 for identity fraud. The account number for this account is 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 2024-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MA

Complaint narrative:
I was XXXX  by one of the representatives on their behalf. He said he would XXXXXXXX XXXX XXXX XXXX  and XXXX  me every chance he gets. Which the conversation is recorded so the evidence is there. This needs to be removed or my XXXX XXXX will get involved due to the XXXX  I received. This needs to be removed immediately from my account and this falls under the fcra says this falls under that ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Armada Corp.
State: WA

Complaint narrative:
Hello so I got some papers from Armada corp saying I have debt I am willing to pay but just some of my mail has been going to my old address and Im not really getting a lot of them I tired paying in my chart but it says I went to debt and today I received a paper in mail about it going to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
When I viewed my credit profile I saw I had some hard inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
wire transfer from truist bank was sent from XXXX XXXX  to XXXX XXXX XXXX XXXX with the wrong name it needs to be resent back to them so that the name can be changes to XXXX XXXX XXXX XXXX  in the amount of {$620000.00}

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 2024-04-11 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I paid the original credit the entire original balance of XXXX and the collection company wanted me to pay a fee of XXXX. This is a XXXX debt under XXXX that should have never made it to my credit report. On XXXX they are XXXX XXXX, but on the others they are Wakefield & Associates. 
XXXX XXXX Current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on XXXX ) Partial acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX ) Partial acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2024-04-11 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:
Experian you reported an alleged transaction on my Consumer Report that is indeed closed with a XXXX $ Balance that that has been identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

Also the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
A creditor can not treat a payment as late without complying with this section of the law!

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 2024-04-11 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: MA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: OR

Complaint narrative:
This is the second statement in the mail, I have received from XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX, telling me I owe {$10000.00} since XX/XX/2021. I called them 6 months ago to inquire about the letter, and they asked me for my name, dob and my address. I didn't share it, knowing this was fake. I asked repeatedly where this company was based, since it wasn't at my house, and I told them so. The person repeatedly told me to send the letter back, return to sender, if it wasn't for me. My name is no where on the statement, but my home address is. I clarified several times, that they wanted me to return the statement, return to sender, even though they were trying to collect money. Finally they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
When I viewed my credit profile I saw I had some hard inquiries that are not mine.

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 2024-04-11 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: LA

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief