vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal notice to inform you that the address associated with my account is not mine and has been used without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), under section 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of this incorrect information without further investigation. I am filing a report with the FTC for identity theft. Please confirm the removal of this erroneous information from my file. delete address XXXXXX/XX/XXXX XXXX, FL XXXX and XX/XX/XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that, the Equifax credit XXXX XXXX XXXX XXXX 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 a personal credit card account opened at XXXX XXXX on XXXXXXXX XXXX and XX/XX/year>. 
I do not recognize the accounts, reported. The accounts appearing on my consumer credit report maintained in report were not opened, made, or initiated by me. All of the aforementioned accounts, of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-09-15 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: MA

Complaint narrative:
I received a text message at about XXXX Eastern last night that my Experian XXXX XXXX Account was open. I never opened such an account. 

I tried to log onto my Experian Account this morning Sunday morning  to find I could not. When I tried to recover my username, I found it was an e-mail address ( in truncated format ) that is not mine. So, I assume, a bad actor has compromised my identity and formed a fraudulent Experian account in lieu of mine. 

This appears to be a problem long known but apparently still unaddressed by Experian. XXXX XXXX XXXX XXXX, I tried to contact Experian by phone to address this. That proved an impossible feat. I tried at least four different phone numbers, to no avail. In other words, I cant report fraud to a company that claims it is protecting against consumer fraud- and which I only came to know after they lost my data in a breach. That doesnt seem right. The CFRA makes it unlawful for Experian to knowingly permit unauthorized individual to access my legally protected information. Experian 's inability to permit immediate resolution of the fraud on my account makes me believe they are acting in violation of the CFRA. 

So, I have requested they immediately explain what happened on my account and what they will do to remedy the situation including to protect my account security, shut down any fraudulent accounts opened in my name. From what I see online, I am not hopeful they will immediately remedy the situation. 

If fraud can occur XXXX through their website, shouldn't they have a XXXX mechanism to immediately address and remedy such fraud? 

Thank you kindly for your assistance.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Someone tried to get credit cards under my name, I tried to put a credit freeze with TransUnion and they keep blocking 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
CFPB, EXPERIANS IGNORING MY DOCUMENTS THAT SUPPORT MY DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violating Rights Under Arbitration Law Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the continued reporting of inaccurate address, name information on my personal credit file. Despite my previous attempts to rectify this issue, Experian has failed to correct my records, which I believe is a violation of my rights under the arbitration law. 

Details of the complaint are as follows : inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Correct Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
XXXX XXXX This inaccurate information is affecting my ability to secure loans. I kindly request that the CFPB investigate this matter and assist in ensuring that Experian corrects my personal file in accordance with the law. 

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

Sincerely,

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
CFPB, EXPERIANS IGNORING MY DOCUMENTS THAT SUPPORT MY DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violating Rights Under Arbitration Law Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the continued reporting of inaccurate address, name information on my personal credit file. Despite my previous attempts to rectify this issue, Experian has failed to correct my records, which I believe is a violation of my rights under the arbitration law. 

Details of the complaint are as follows : inaccurate address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Correct Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX This inaccurate information is affecting my ability to secure loans. I kindly request that the CFPB investigate this matter and assist in ensuring that Experian corrects my personal file in accordance with the law. 

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

Sincerely,

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 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I was contacted by Navient to complete a payment plan after I graduated from XXXX XXXX back in XXXX  I have all of the documents and payments that they said I will be paying. An entire payment plan was set up for me. I did feel stressed about being able to pay back my student loans hence why I signed up with Navient. Navient then, seemed to turn me over to XXXX XXXX which was another company to help with my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-09-15 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: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: NC

Complaint narrative:
TransUnion has reported negative information on my credit file fwithout my consent or authorization. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither TransUnion nor the reporting agency has provided this documentation. 
XXXXXXXX XXXX {$680.00}, XXXXXXXX XXXX XXXX XXXX  {$3000.00}, XXXX XXXX XXXX {$890.00}, XXXX XXXX {$1600.00} and XXXX XXXX {$410.00} This raises serious concerns about TransUnions compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. The unauthorized reporting has negatively impacted my credit score and financial standing, causing significant hardship. I have not granted them the authority to access or report any information about me under the Fair Credit Reporting Act ( FCRA ). Their failure to comply with these legal requirements has caused undue harm to my credit standing. I respectfully request that the CFPB investigate this matter and take immediate action to have this derogatory information removed from my credit report. I have repeatedly communicated my concerns to TransUnion, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, TransUnion continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, as well as proof of identity to confirm who applied for these frivolous debts.

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 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I bought this vehicle back in XX/XX/XXXX. It is now XXXX of XXXX. I was sold a lemon from XXXX XXXX. I only got to drive the vehicle two months out of the sixth that I owned it. It was repossessed and sold at auction at that time my loan amount was {$12000.00}. this loan is still open as if I still own the vehicle causing the equity amount of the loan to go up to {$17000.00} almost {$18000.00} from the interest and late payments. This is a fraudulent act due to the vehicle being sold at auction. This loan should have been closed and the amount after being repossessed and sold at auction shouldve been remaining balance. this is destroying my credit. I cant get anything including a new car or my first time homebuyer loan due to them still charging interest and late payments on a loan that should be closed out because the vehicle was repossessed and sold at auction. i want it off my credit before I decide to get my attorney involved, because what credit acceptance is doing is illegal.

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 monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
CFPB, EXPERIANS IGNORING MY DOCUMENTS THAT SUPPORT MY DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violating Rights Under Arbitration Law Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the continued reporting of inaccurate address, name information on my personal credit file. Despite my previous attempts to rectify this issue, Experian has failed to correct my records, which I believe is a violation of my rights under the arbitration law. 

Details of the complaint are as follows : inaccurate address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Correct Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX This inaccurate information is affecting my ability to secure loans. I kindly request that the CFPB investigate this matter and assist in ensuring that Experian corrects my personal file in accordance with the law. 

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

Sincerely,

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NC

Complaint narrative:
Around XX/XX/year>, I applied to work for XXXX XXXX and the company that they work with for background checks ( Checkr ) has put down erroneous data saying my liscense was surrendered somehow. My application on XXXX XXXX has been pending for XXXX  and I was hoping this would help work things along finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-09-15 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2024-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am noticing a repeated issue with late fees that are excessive in amount. I have a credit card that has been issued by Navy Federal Credit Union, and also have them as my main checking and savings accounts. I understand right of offset with missed payments, but I have noticed that if a credit card payment is even five days late, a fee of almost double the original amount is applied. For example, a monthly payment of about {$270.00} is due for a minimum payment on this credit card, but with a late or missed payment fee, the total amount is almost {$600.00}. Once the minimum is paid, a balance of $ XXXX still remains. This creates a situation where someone living paycheck to paycheck will not be able to un-bury themselves and maintain payment status and seems like bad practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
God Day, My Name is XXXX XXXX XXXX and I did not make any purchase with this card. I was XXXX XXXX from XXXX, and Suffer from XXXX from the XXXX XXXX and suffer with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, serving in the XXXX XXXX, I was being taking care of by family memebers, and They took advantage of me, while I was on XXXX XXXX XXXX. I very sorry, that it happen, but Im still here and I would kindly ask for your company to remove the financial Detriment from my credit report, It's hurt me and My family. 

Capital ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXXL Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXXG Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>

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