vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness.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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized account. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XX/XX/XXXX SSN- XXXX Email- XXXX Phone- XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX Account that need to be removed XXXX XXXX XX/XX/XXXX {$890.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized account. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XX/XX/XXXX SSN- XXXX Email- XXXX Phone- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Account that need to be removed XXXX XXXX XX/XX/XXXX {$890.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I was approved a personal loan ( consolidation ) for {$7600.00} at 17.29 %. I've been a member of the Navy Federal Credit Union for XXXX  years. I have a credit score XXXX XXXX XXXX which is the credit agency they determine my approval on. I spoke to a representative and a supervisor for clarification regarding my interest rate. It still was not clear as to why my interest rate was so high. I have no late payment, no car loans, no students loans. If I have a decent credit card and payment history why is my interest rate high? What is the point of good credit and payment history if I am to get high interest. These are some of the questions I asked. I did not understand their generic answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am submitting this formal complaint against Experian for reporting inaccurate and incomplete information regarding the XXXX XXXX XXXX account ( # XXXX ) in my credit file. The errors and inconsistencies in this account violate specific provisions of the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. 

Specific Issues with the Account 1. Inconsistent Payment History : The account reflects a payment history from XX/XX/XXXX to XX/XX/XXXX with serious inconsistencies, such as alternating statuses of " Charge-off '' and " OK '' for months like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
This violates Section 607 ( b ) of the FCRA, which requires credit reporting agencies to ensure the accuracy and consistency of reported information.

2. Missing Date of Last Payment : The report omits the critical date of last payment, violating Section 609 ( a ) ( 1 ) of the FCRA, which mandates the provision of complete and clear information to consumers. 

XXXX. Inaccurate Comments : - The account includes contradictory comments, such as " Charge-off '' and " XXXX  XXXX bankruptcy, '' without adequately explaining the debt status or its progression. 

- This constitutes another violation of Section 607 ( b ) due to the failure to provide accurate and meaningful reporting. 

4. Incorrect Dates : The date of last activity ( XX/XX/XXXX ) and the date of last reporting ( XX/XX/XXXX ) are inconsistent with data provided by other credit bureaus. 
These discrepancies further violate Section 607 ( b ) of the FCRA, which requires accurate reporting of key dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am submitting this formal complaint against Experian for reporting inaccurate and incomplete information regarding the XXXX XXXX XXXX account ( # XXXX ) in my credit file. The errors and inconsistencies in this account violate specific provisions of the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. 

Specific Issues with the Account 1. Inconsistent Payment History : The account reflects a payment history from XX/XX/XXXX to XX/XX/XXXX with serious inconsistencies, such as alternating statuses of " Charge-off '' and " OK '' for months like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
This violates Section 607 ( b ) of the FCRA, which requires credit reporting agencies to ensure the accuracy and consistency of reported information.

2. Missing Date of Last Payment : The report omits the critical date of last payment, violating Section 609 ( a ) ( 1 ) of the FCRA, which mandates the provision of complete and clear information to consumers.

3. Inaccurate Comments : - The account includes contradictory comments, such as " Charge-off '' and " Chapter 7 bankruptcy, '' without adequately explaining the debt status or its progression.

- This constitutes another violation of Section 607 ( b ) due to the failure to provide accurate and meaningful reporting. 

4. Incorrect Dates : The date of last activity ( XX/XX/XXXX ) and the date of last reporting ( XX/XX/XXXX ) are inconsistent with data provided by other credit bureaus. 
These discrepancies further violate Section 607 ( b ) of the FCRA, which requires accurate reporting of key dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: Conn's, Inc.
State: TX

Complaint narrative:
The information listed on my credit report is erroneous which is against state and federal law. According to FCRA you are only to report accuracies on my credit report. 15 USC 1682 g. Conns is reporting inaccurate information and continue to violate the law by reporting a payment status on a closed account. This account is aged and past the statute of limitations from first delinquency which is seven years on my credit report. The credit bureaus continue to add this account and false information back to my report after already disputing. This account was charged-off. I am requesting a civil liability for willful noncompliance ( 15 U.S Code 1681n ). This account is closed. Requesting validation of debt by way of ledger of payment history. This needs to be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: KY

Complaint narrative:
Violation of the FCRA : Inaccurate Reporting and Improper Disclosure of Information Description of the Issue : I have identified inaccurate information on my credit reports with TransUnion and XXXX. Both agencies are incorrectly reporting late payments on my XXXX  XXXX account ( account number : XXXX ). According to my records, these payments were made on time. 

I sent a letter to XXXX  XXXX on [ XX/XX/XXXX ] requesting validation of the debt and correction of the errors. However, I have not received a response within the timeframe established by the Fair Credit Reporting Act ( FCRA ). I later disputed the information directly with TransUnion and XXXX, but the errors persist. 

Furthermore, under the FCRA, no agency has the right to disclose incorrect information or violate my privacy by reporting inaccurate data about my financial history. This noncompliance jeopardizes my privacy and my credit reputation.

The improper disclosure and inaccurate reporting of this information are damaging my credit score and my ability to obtain credit on fair terms. This also represents a potential violation of my privacy rights under the FCRA. 
I request that : All inaccurate information and incorrect late payments be removed from my credit report. 
The agencies and creditors cease disclosing incorrect information in my history. 
I receive written confirmation that my information has been corrected and that my privacy will be respected in accordance with the FCRA. 

Attached Documents : Certified mail proof of sending. 
Current credit reports showing the errors. 
Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XX/XX/XXXX Last 4 of SSN : 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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I paid my insurance policy on XXXX XXXX 2024 and I got my policy but the money wasnt taken out of my account so I called the insurance company and asked them did they receive the money and they told me they have the money I wouldnt never have got my policy if it wasnt paid. So I called my bank, Bank of America and I told them I just paid for my insurance policy and the money hasnt been taking out they told me they didnt see no transaction for XXXX XXXX so today I seen I owe {$500.00} to my insurance company and they said my bank disputed the transaction. I dont understand I paid a bill and it didnt go through because of the banks fault so can someone please call me or email me because this is not right I paid my money and they didnt send my money out especially for something that was important. I can explain more when I talk to someone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX XXXX XXXX, and XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate XXXX XXXX XXXX guidelines : XXXX XXXX XXXX XXXX Account # XXXX ) : XXXX. Conflicting Late Payment Reporting : " Was 30 Days Late XXXX XXXX '' conflicts with the " Payment Status '' of " Late XXXX  Days. '' XXXX. Ambiguous Comments : Remarks such as " Account Was In Dispute - Now Resolved '' contradict delinquency reporting. 
XXXX. Past Due Amount Conflict : The " Past Due Amount '' ( {$120.00} ) conflicts with the " Payment Amount '' ( {$280.00} ). 
XXXX XXXX ( Account # XXXX ) : XXXX. Erroneous Late Payment Status : " Late XXXX  Days '' contradicts remarks indicating " XXXX  Days Past Due. '' XXXX. Balance and High Credit Mismatch : " High Balance '' ( {$240.00} ) does not align with " Balance Owed '' ( {$210.00} ). 
XXXX. Missing Account Information : Critical fields such as " Account Type Details '' are missing, violating XXXX XXXX standards.

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