vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously disputed several accounts on my Equifax credit report, and Equifax marked them as " verified '' without providing any documentation or proof of verification. I believe this response does not comply with FCRA requirements, as Equifax failed to provide sufficient documentation from the data furnishers to support the continued reporting of these items. Here are the details of each account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX : Marked as " verified '' without any evidence supporting the accuracy of the charged-off balance and voluntary surrender status. I am requesting documented verification. 

XXXX XXXX  Mortgage - Account XXXX XXXX : Shows late payments during XXXX, despite accommodations that should have required reporting as " current '' under the CARES Act. Equifax has not provided verification for these entries. 

- XXXX XXXX - Account # XXXX : This account is reporting potentially inaccurate information. Equifax has not shown any proof of verification in response to my previous dispute. 

- XXXX - Account # XXXX : Contains potentially inaccurate information, yet was marked as " verified '' without documented verification from the lender. 

- XXXX - Account # XXXX : This account has reporting inconsistencies. Equifax has not supplied verification to support its accuracy. 

- XXXX XXXX - XXXX XX/XX/year> : This inquiry was unauthorized, and Equifax has not provided proof of permissible purpose for it. 

I am requesting that Equifax conduct a reinvestigation and provide documented verification for each of these items, or delete them if they can not be substantiated. I believe Equifax 's initial response violates FCRA XXXX XXXX, which requires a thorough investigation and documented verification when items are disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
On XX/XX/2024, I applied for an XXXX XXXX credit card. XXXX XXXX sent me an adverse action notice ( which I am attaching ) stating they denied my application based on an Experian credit report from XX/XX/2024. The denial cited a XXXX score of XXXX and listed several negative factors including recent delinquencies, multiple delinquent accounts, too many inquiries, and high revolving balances. 
However, my actual Experian credit report from XX/XX/2024 ( which I am also attaching ) shows completely different information : XXXX score of XXXX No delinquencies No collections No inquiries Only 7 % credit utilization on {$120000.00} total credit limit When I contacted Experian about this discrepancy, they stated they can not provide the historical report they shared with XXXX XXXX. 

XXXX XXXX directs me to Experian, creating a circular situation where neither company will show me the exact report used for this decision.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Hey In accordance with IRS XXXX no. XXXX this following company are providing an inaccurate information in my credit report. 
Because they showed this account as XXXX XXXX in my credit report, and wrote them off in their taxes as a profit loss but I never received a XXXX Form from this company which confirmed the charge off in this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like you to review this information and please help me to get a XXXX form from each of these companies. 


Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing regarding an entry listed on my credit report under your agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). 

Per 15 U.S.C. 1692g, please provide me with the following information : XXXX. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount. 
XXXX. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges. 
XXXX. Any documentation showing your legal right to collect on this debt. 

In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. 

Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX validation period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
By email, on XX/XX/year> I sent XXXX XXXX a very detailed debt validation and cease and desist order. 

Today, they violated the cease and desist order by emailing me another collection email. 

As of today, they have not provided any information to me to validate the debt.

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 2024-11-12 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-12 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: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/year> Goldman Sachs XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Request to Review and XXXX XXXX under FCRA XXXX XXXX, Truth in Lending Act, and IRS XXXX Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with account numberXXXX in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( XXXX ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. According to IRS XXXX XXXX XXXX XXXX are required to file Form XXXX with the IRS when they cancel a debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form XXXX to both the IRS and myself, XXXX that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within XXXX days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I reviewed my credit report and became aware of a collection reported by IC System that was opened on XX/XX/year> with a balance of {$1600.00} for a medical debt. I do not have any medical debt. I am looking to validate this account and provide a breakdown for this debt and where it originated from. 

reviewed my credit report and became aware of a collection reported by IC System that was opened on XX/XX/year> with a balance of {$1600.00} for a medical debt. I do not have any medical debt. I am looking to validate this account and provide a breakdown for this debt and where it originated from. 

A fair resolution will be for IC system to use the upload tool on XXXX XXXX to provide validation- if they are unable to validate this debt they must remove this account from my credit report immediately.

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 2024-11-12 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: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-12 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The company closed my account for unknown reasons and before they continued to charge me overdrafting fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MicroBilt / PRBC (formerly CL Verify)
State: KY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against XXXX for conducting a hard credit inquiry on my credit report without my authorization, and with the apparent intention of opening a line of credit without proper disclosure or obtaining my explicit consent. 
On XX/XX/year> ], I completed a Contract for Membership for my floral shop XXXX XXXX XXXX XXXX  However, shortly after, I noticed that a hard inquiry had been conducted on my credit report by XXXX, which has negatively impacted my credit score. At no point during the ordering process did XXXX XXXX of XXXX disclose that they would be performing a hard credit inquiry, nor was I asked to complete a credit application or sign any authorization for credit assessment. 
I am deeply concerned by XXXX lack of transparency and believe this practice is unethical. The unauthorized inquiry has affected my credit score and placed an unnecessary blemish on my credit report. It also raises questions about XXXX data privacy practices and how they handle sensitive customer information. 
I request that XXXX : Immediately cease any unauthorized hard credit inquiries on my account or others ' without clear customer authorization. 
Remove this hard inquiry from my credit report immediately to restore my credit score. 
Provide a clear explanation of how and why this inquiry was initiated without disclosure or my consent.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal credit union keeps charging me {$29.00} return fee on ach transactions before they even post on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fundo LLC
State: FL

Complaint narrative:
FUNDO LLC has filed a XXXX XXXX on an inactive llc I used to have and my personal financial accounts. They said I received a loan from them for {$1600.00} and they are trying to make me pay {$6000.00}. I have never received a loan, the banking institution that they are saying was used to receive the funds is not even my bank account. ive never banked with truist. this was done fraudulently and I want this lien removed immediately.

Company response to consumer: Closed with explanation