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

Complaint narrative:
I have contacted all Three ( 3 ) Credit Bureaus with regards to this account with XXXX XXXXWalmart . I have disputed it with all Bureaus. I have called XXXX XXXX  more than 10 times with different numbers given to me by them. Each time I talk with XXXX, they tell me that they do not have the information needed to help me with my problem with the incorrect information on my CB report. When it is disputed by the Credit Bureau, the same answer comes back as the " Information is Correct. '' That is an answer they tell everyone, I assume. As stated, when I call them myself to try to find out about this unknown account from XXXX, it is always the same answer : " We do not have that information. It has been sent to XXXX XXXX. I need to contact them. I did! They do not have any information about the account, but to try calling some lawyer at XXXX and XXXX, XXXX. I did try to get them five ( 5 ) times since last Tuesday ( XX/XX/XXXX ) and left messages with the lawyer and the receptionist. NO return call ever made to me. 
Yesterday, XX/XX/XXXX, I called XXXX again and was told the same thing : No information, but to call the Fraud Depart. I did and was transferred to another number and I called them this morning, XX/XX/XXXX. The XXXX employee in that department told me that they had no information because all the previous info was transferred to Capitol I. I called them and was told they had no information because they only took Walmart accounts in XXXX or XXXX. No infor there either. 
My main question now is how can XXXX XXXX  place a Charge off for Walmart in the amount of XXXX when no one has any information about me or this account. I am very insensed and very troubled with their business methods. It is very dangerous to have in America today the ability to do this to a consumer and ruin their credit with no information on the account mentioned. How could this happpen?

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 2024-12-11 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: AZ

Complaint narrative:
Recently I looked at my credit report and notice several inaccuracies on my account. This account is hurting the ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : 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 2024-12-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX DOB : XX/XX/year> | SSN : XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Item ( s ) resulting from XXXX  that should be blocked : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
My checking account was restricted on XX/XX/year> ( with {$4600.00} currently in it ) due to me violating the terms and agreements, ( I was depositing funds from a cashapp account that was in the name of XXXX XXXX which they said went against their terms ). 

It is now XXXX and the account is still Pending for closure and according to SoFi I am not entitled to the funds and they would be returned to sender.That {$4600.00} is not from XXXX it is from multiple sources ( XXXX XXXX, refunds, XXXX, Direct Deposit ) so I dont understand how they can just return it to the sender, XXXX XXXX has closed the XXXX XXXX account on XXXX. 

I call everyday and they all tell me your account is pending closure and is still being reviewed by the internal security team, we will expedite this for you but we will just have to wait for the internal team to finish their review. I need the account closed and I need my money its been so long.

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

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I have an account with security federal service credit union that has missed and late payments! I would like this to be removed from my credit because that car was a total loss and the Gap company is supposed to pay the loan its just been a process. But the missed and late payments are inaccurate please remove them along with this loan please. I haven't had that vehicle since XX/XX/year> and it was a total loss so gap should be covering everything because i had Gap insurance.

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 2024-12-11 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: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KY

Complaint narrative:
XXXX XXXX XXXX was owned by rental company that has since sold the property! i was never notified that i owed them any money etc. The previous owners and i went to court and agreed that if i vacated the property by a certain date and returned keys in which i did and i would owe nothing and nothing would be reported to my credit etc. recently i applied for an apartment and was told genesis credit management was sayin owed {$3100.00}. i called genesis and was told it was XXXX XXXX who the debt was initially owed to. they asked me to pay money and they would dispute it on my behalf i paid the first sum but couldn't afford the next and instead of waiting for me to obtain the funds they also added the reminder on my credit as if i applied for a subscription service or they provided some kind of service that actually removed these items from my credit! i settled everything with XXXX in court and hadn't hear anything from the day i turned the keys in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
After being made aware that Ive been a victim of data breach as well has stolen identity credit reports indicate negative accounts late payment history and inquiries that Ive not initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal as continued to report inaccurate informations across the credit bureas. Reporting charge off monthly, also I've challenged the inaccurate information and they continue to modify instead of deleting the wrongfully reported information. Ive also requested a 1099 for these accounts yet to receive one. 

Account Numbers : XXXX XXXX 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 2024-12-11 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:
I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts that I have no connection to. This situation is unacceptable, as it compromises the accuracy of my credit profile and unfairly affects my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

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

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-12-11 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: MO

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Failure to Validate Debt and Continued Inaccurate Reporting by Portfolio Recovery Associates Accounts : PORTFOLIO RC XXXX PORTFOLIO SYNCH XXXX Details of the Complaint : I am beyond frustrated with the repeated violations of my consumer rights by Portfolio Recovery Associates and the credit bureaus. I have been disputing these accounts for over six months, and during that time, the credit bureaus have allegedly " verified '' these accounts with Portfolio Recovery Associates. However, I have yet to receive a single shred of validation or supporting documentation for these debts. 

This behavior is not only a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ) but also a clear breach of the Fair Credit Reporting Act ( FCRA ). The law requires that only verified, accurate, and substantiated information can be reported to the credit bureaus. If Portfolio Recovery Associates is unable or unwilling to provide proper validation, they have no legal right to continue reporting these debts. Their refusal to comply with these legal obligations is unacceptable and unlawful. 

Additionally : Duplicate Reporting : These accounts are duplicates of the same debt under different numbers, which creates a misleading and inaccurate portrayal of my credit profile. This is a deceptive practice and a direct violation of the FCRA.

False Verification : Since Portfolio Recovery Associates has not provided me with any validation despite multiple disputes, it is clear they have been providing false verification to the credit bureaus. This practice is fraudulent and must be stopped immediately.

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

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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