vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( XXXX ) and the Uniform Commercial Code ( UCC ). The account in question is associated with the account opened on XX/XX/year>, for {$11000.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law.

Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it

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 2024-10-26 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: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with the account opened on XX/XX/2017, for {$11000.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law.

Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  * Account Number : XXXX * Last 4 Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXX I d

id not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 2. Provide the names of any entities that accessed my information without permission, along with the reason for access. 3. Notify other relevant agencies of any corrections, if applicable. Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, 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 2024-10-26 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: GA

Complaint narrative:
A collection of {$1600.00} showed up on my credit report despite me paying it off. I disputed it with XXXX they marked it as closed, it's still showing on Equifax and Fico reports and I request you to please inform them that it's already paid in full.

I have a reciept. Will attach it herewith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-26 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 only two accounts that are my are XXXX XXXX and XXXX XXXX XXXX I paid both of those accounts off they should not be in negative state. The other accounts are not mine I never authorized them.my social security number was hacked Name XXXX XXXXL Account Number XXXX Opened XX/XX/XXXX Status Paid, Closed POTENTIALLY NEGATIVE XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$610.00} written off. 
Status Updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$540.00} written off. 
Status Updated XX/XX/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 explanation
Consumer complaint received 2024-10-26 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: ID

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-26 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit.The accounts in question are as follows : 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 I would like to address the inquiries associated with my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit/consumer report. I had noticed fraudulent account on my report. 

Please remove accounts from my report they are hurting my ability to obtain credit. 

I was a victim of multiple data breaches. 

According to the Fair Credit reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Why am I liable for this debt with Credit Collection Services when I'm a victim of identity theft because of multiple data breaches? 

I ask for a re-investigation of this item. 

Also, source you used to collect this false inaccurate information. 

This inaccurate item violates these laws 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602 A. ), 15 USC 1681XXXX ( a ) ( 5 ) Please remove/delete this items with all reporting agencies. 

If these items are not removed. 

I will submitted requests to the " XXXX XXXX XXXX XXXX' and " Federal Trade Commission '' as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit.The accounts in question are as follows : 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 Balance : {$22000.00} Additionally, I would like to address the inquiries associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit.The accounts in question are as follows : 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 XXXXXX/XX/XXXX Balance : {$22000.00} Additionally, I would like to address the inquiries associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: PA

Complaint narrative:
. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a detailed explanation of the charge-off, including the original amount owed, any interest or fees applied, and a breakdown of the calculations leading to the charge-off. 

Additionally, please provide the following : Proof of Debt : Documentation showing the validity of the debt and the amount claimed.

Charge-Off Details : Clarification on how the charge-off was determined and any attempts made to collect the debt prior to this action. 
Please consider this request as my right to dispute the debt and verify its accuracy under the aforementioned laws. I expect a response within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit/consumer report. I had noticed fraudulent account on my report. 

Please remove accounts from my report they are hurting my ability to obtain credit. 

I was a victim of multiple data breaches. 

According to the Fair Credit reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Why am I liable for this debt with XXXX XXXX XXXX when I'm a victim of identity theft because of multiple data breaches? 

I ask for a re-investigation of this item. 

Also, source you used to collect this false inaccurate information. 

This inaccurate item violates these laws 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602 A. ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this items with all reporting agencies. 

If these items are not removed. 

I will submitted requests to the " XXXX XXXX XXXX XXXX and " Federal Trade Commission '' as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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:
I recently pulled my credit report and noticed some inaccurate accounts that are currently being reported. I've made a list of all the inaccurate accounts that I would like removed. This is the 3rd time that a collection agency has been added on my credit report with XXXX being the original creditor after being deleted with attached copy of identity theft report. These occurences has all happened within a span of a month and is being reported each time with a new amount of debt owed. I AM NOT FAMILIAR WITH THIS ACCOUNT AS STATED PREVIOUSLY Please see attached

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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I had visited a restaurant in XXXX, XXXX on XX/XX/2024. I have written and followed up on a fraudulent charge on my credit card dated XX/XX/2024. I initially submitted a fraud inquiry, but the charge was removed by NFCU fraud department instantly without explanation until i called back the next morning. I was told it was because there wasn't enough evidence, I asked what evidence they needed and I was told a receipt, payment, a picture of the menu, etc. Since then, I have provided all the evidence I possess, except for the receipt, which I was never given or asked at the time because I didn't feel necessary. 

Unfortunately, the restaurant in question is unreachable, as they have no email, phone number, or website. Ive already worked with Navy Federals fraud department five times, but I am still unable to resolve the issue. Ive been repeatedly advised to contact the restaurant, but XXXX only provides the locations coordinates, with no further contact details. 

Given my lack of options and inability to reach the merchant, I am requesting that the credit card company assist me in this matter by conducting further investigation on my behalf. I have exhausted all available avenues and would greatly appreciate your due diligence in helping to resolve this issue. 

I had spoken with both the supervisor and dispute representative and have been told that unfortunately there is no receipt, they can't help me at all. The fraud/dispute department was made aware and have even given me the address that they pulled off of the credit card charge and told me to do my own research and give them a receipt before they would do anything otherwise, I will have to take on the {$2200.00} overcharge and they can not help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a detailed explanation of the charge-off, including the original amount owed, any interest or fees applied, and a breakdown of the calculations leading to the charge-off. 

Additionally, please provide the following : Proof of Debt : Documentation showing the validity of the debt and the amount claimed.

Charge-Off Details : Clarification on how the charge-off was determined and any attempts made to collect the debt prior to this action. 
Please consider this request as my right to dispute the debt and verify its accuracy under the aforementioned laws. I expect a response within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : Dispute of Unauthorized Credit XXXX- XXXX XXXX Dear XXXX, Equifax, and XXXX, This letter is to formally dispute unauthorized credit inquiries that have appeared on my credit report with all three bureaus. I have recently discovered multiple inquiries from 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 ]. I did not authorize these inquiries and believe this to be a form of identity theft. 

I request that you immediately investigate these inquiries and remove them from my credit report. I have attached copies of [ List any supporting documentation, such as a police report or fraud alert notification ] to support my claim. 

Please provide me with confirmation that you have received this dispute and an update on the investigation for each of my credit reports. I am available to provide further information or documentation as needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation