vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: NJ

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. 
"

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 2025-01-07 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: CA

Complaint narrative:
I do not know where this account came from or who put this on my report, but it sure is certainly not mine. This is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
1. Account Information : The account in question is Account # XXXX. It was held with NAVY FEDERAL CREDIT UNION and was subsequently charged off on or about XX/XX/2024. 
2. Legal Obligation : Under IRS guidelines, creditors are required to issue a Form 1099-C to borrowers when a debt of {$600.00} or more is forgiven or discharged. This requirement ensures that consumers are able to accurately report such cancellations of debt as income for tax purposes. 
Nature of the Complaint : Despite repeated requests and inquiries, NAVY FEDERAL CREDIT UNION has failed to provide me with the required IRS Form 1099-C for the charged-off account. The absence of this document not only prevents me from fulfilling my tax obligations but also leaves me vulnerable to potential penalties or audits by the IRS. 
Additionally, the lack of transparency from the Creditor in this matter has caused unnecessary stress and confusion regarding my financial responsibilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
The ongoing presence of fraudulent inquiries on my consumer report has created a devastating cascade of personal and financial consequences, despite my repeated attempts to resolve this issue. As a confirmed victim of identity theft, these unauthorized inquiries have severely impacted my ability to achieve crucial life goals, most notably preventing me from purchasing my dream home and adequately providing for my family 's needs. The emotional toll of dealing with this identity theft has been immense, particularly as I watch these fraudulent items continue to damage my financial standing despite having no connection to or responsibility for them.

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 2025-01-07 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: TX

Complaint narrative:
The ongoing presence of fraudulent inquiries on my consumer report has created a devastating cascade of personal and financial consequences, despite my repeated attempts to resolve this issue. As a confirmed victim of identity theft, these unauthorized inquiries have severely impacted my ability to achieve crucial life goals, most notably preventing me from purchasing my dream home and adequately providing for my family 's needs. The emotional toll of dealing with this identity theft has been immense, particularly as I watch these fraudulent items continue to damage my financial standing despite having no connection to or responsibility for them.

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 2025-01-07 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: NY

Complaint narrative:
I am deeply frustrated and concerned about the security of my personal information. Repeatedly, I have noticed information appearing on my credit report that is not mine. It is both alarming and disheartening to find accounts and details that clearly belong to someone else mistakenly linked to my report. This ongoing issue has caused me significant stress, leaving me to question how securely my personal information is being handled.

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 2025-01-07 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: MO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-07 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX CXXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX AMERICAN CREDIT ACCEPTANCE AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Charge-Off Account on Credit Report XXXX XXXX. XXXX Dear XXXX, I am writing to dispute the charge-off entry on my credit report regarding account number XXXX with American Credit Acceptance. According to my credit report, this account was marked as charge-off, but I believe this entry is inaccurate and should be removed from my credit report. 

I have reviewed the details provided by the credit bureau and the creditor, and I do not believe the charge-off reflects my true payment history or the account 's current status. Specifically, I believe the account was either reported inaccurately or there may have been a misunderstanding. 

As per my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide me with verification of the charge-off, including any supporting documentation. If you are unable to provide sufficient evidence of this charge-off, I respectfully request that you remove or correct this entry from my credit report. 

Under 15 U.S.C. 1681i, credit bureaus are required to investigate and resolve disputes within XXXX days of receipt of a dispute. I would appreciate your timely action on this matter and a written response outlining the outcome of your investigation. 

Please contact me at XXXX or via email at XXXX should you need any further information or documentation. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
There are two ( 2 ) accounts reporting with the same account number ( 1 ) Account Name : XXXX XXXX XXXX Account Number : XXXX and ( 2 ) Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX. Both accounts are one in the same and are reporting to the same Credit Reporting Agency with XXXXnaccurate Data as highlighted on the XXXX Credit Report. The inaccuracies are highly injurious to my credit report and score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Subsection A-D. If the information is coming from the original creditor all information should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report. 
Account Name : XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Balance : {$120000.00} Balance : {$120000.00} Date Opened : XX/XX/XXXX Date Opened : XX/XX/XXXX In the remarks you claim the account is in Forbearance, but in the payment history you are reporting XX/XX/XXXX and XX/XX/XXXX both XXXX days late. How can both of these be correct? Which one is right? Which one is wrong? Are they both wrong? Fix this or delete the entire account. 
You say the date of last payment was XX/XX/XXXX but on your payment history you have XXXX days late for XX/XX/XXXX ( XXXX  ). How can a payment be made in September and the account is XXXX days late at the same time? That makes no sense to me. How do you explain this? Is the date of last payment correct? Is the account XXXX days past due are you seriously saying I made a payment in XXXX  and I was also XXXX  days past due? Base on this clear inaccuracy I request you delete the entire accounts from my Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE XXXX Remove a late payment I am writing to dispute a late payment reported on my credit report with XXXX XXXX the account number is XXXX, it was opened on XX/XX/XXXX with an original balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.

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 2025-01-07 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: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/ Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I requested a confirmation email for the amount of the settlement we agreed on, being {$580.00}. I was told that I could make this payment in two installment payments, and I requested that in the email. When I received the email, the installment payment agreement was not included. The email stated the payment was due in full on the date the email was sent, XX/XX/year>. By telling me I could pay in installment payments, they were trying to get me to agree to something that I was given false information about. I was not told till AFTER the email was sent that I could not pay in installment payments, in which the manager started threatening to come after my family and put a " failure to pay '' on my account. He used the fact that it's not in writing against me, BUT it is recorded on their monitored call. This violates 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: HI

Complaint narrative:
On XX/XX/XXXX, I paid {$670.00} to one of my loans on MOHELA, which would have paid off this loan. The payment was withdrawn from my bank account on XX/XX/XXXX. As of XX/XX/XXXX, the payment has yet to be allocated, and the loan is still accruing interest, which the new total is now {$680.00}. I called on XX/XX/XXXX, and was told the payment would be added the week after, but it has not been added. I called again on XX/XX/XXXX, and waited over 3 hours but was not able to get connected with anyone to talk with. I emailed using the portal on the MOHELA website on XX/XX/XXXX, and XX/XX/XXXX but was given vague responses that did not resolve this issue. It has been nearly 3 months since I made my payment and am still waiting for my payments to correctly be added to my loans. This has affected my credit reporting and will incorrectly portray my tax information for XXXX if this does not get resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CT

Complaint narrative:
Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

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 2025-01-07 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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