vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: CA

Complaint narrative:
XX/XX/year> there were 4 charges on credit card that I didnt make. Filed a dispute report on XX/XX/year> # XXXX and charges were revered on XX/XX/year> along with a credit for the interest charges. On XX/XX/year> charges reappeared & when I called on XX/XX/year> I was informed that the charges were considered to be made by me and that they mailed me a letter, which I havent received. I asked for a copy of the report to be emailed time with no response. I was told that they are going to reopen the case. I asked for the account to be closed & since this is a secured credit card, the balance of the fraud charges will be included in the payoff. The credit card was frozen on XX/XX/year>. 

XX/XX/year> XXXX {$110.00} XX/XX/year> XXXX {$110.00} XX/XX/year> XXXX {$110.00} XX/XX/year>XXXX XXXX XXXXXXXX {$1.00} XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft and data breach, and I have discovered unauthorized accounts and inquiries on my credit report. Please consider this letter as my formal dispute of the accounts and inquiries listed below. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.

Please provide the following information : **Proof that I am responsible for the debt** : Documents demonstrating that I owe this debt.

**Details of the debt** : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

**Name and address of the original creditor** : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

**Proof of your authority to collect this debt** : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
A fraudulent item that I never benefited from is still showing up on my credit report. Both XXXX and XXXX have already deleted this false information, yet you continue to report it. Its deeply insulting and feels like a defamation of my character. The stress of knowing my rights as a consumer are being violated is overwhelming. Ive reported this to the Federal Trade Commission, but nothing has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: MI

Complaint narrative:
I am writing to dispute the inaccurate payment history and payment status reported on my account. According to my records, I have consistently made payments as agreed, yet my credit report reflects a history of missed or late payments and an inaccurate status indicating delinquency. This information is incorrect and does not accurately reflect my account history, which is fully compliant with payment terms. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy in reporting. I am requesting an immediate investigation and correction of my payment history and payment status to accurately reflect my timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: MI

Complaint narrative:
I am writing to dispute the inaccurate payment history and payment status reported on my account. According to my records, I have consistently made payments as agreed, yet my credit report reflects a history of missed or late payments and an inaccurate status indicating delinquency. This information is incorrect and does not accurately reflect my account history, which is fully compliant with payment terms. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy in reporting. I am requesting an immediate investigation and correction of my payment history and payment status to accurately reflect my timely payments.

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I attended a conference at XXXX XXXX XXXX in California. I cleared my charges on XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  ( today ) I received additional charges. I called XXXX and finance manager informed me this change is an incremental hold, it was released by them XXXX XX/XX/year> when I left the resort and an error of the bank to place it today. XXXX finance division provided me with documentation as such. My bank Navy Federal will not release this hold, is saying that it is on the merchant despite the merchant saying they have no holds and released all holds when I cleared three days ago. There is XXXX being held by bank, I have had to move money to prevent my account from going into the negative. My concern is now I will be charged overdraft fees and not having funds to pay other debts due to this error, and getting charged for those fees as well for what the merchant says is error on the part of the bank and the bank says is an error the part of the merchant. That leaves me the consumer with XXXX of my money in essence held hostage with no recourse except to wait a few days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
Inaccurate payment history records : The payment histories provided by the credit bureaus contain inconsistent or erroneous reporting for various months and years. This impacts my overall credit standing and does not accurately reflect my payment activities. 
Status of the account : Differences in how the status of the account is displayed between different credit bureaus, leading to confusion and potential misrepresentation of my creditworthiness. 
I respectfully request that this account be thoroughly reviewed and removed from my credit report due to these discrepancies. The removal will ensure that my credit report accurately represents my financial responsibility. 

Enclosed with this letter, you will find copies of the relevant sections of my credit reports from XXXX, XXXX, and Experian that highlight these discrepancies. 

Thank you for your attention to this matter. I trust that you will act promptly to rectify this issue and uphold the accuracy and integrity of my credit profile.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion continues to display incorrect personal information on my credit file after being notified that it is incorrect

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: PR

Complaint narrative:
SBA - US Treasury Account Transunion and XXXXinaccurate reporting of disaster loan from payment history, account opened and closed ; Terms and balance.

The inconsistencies and inaccurate reporting have affected my credit, and have been dismissive of previous requests for erroneous reporting. Nor did I receive a 1099c for tax purposes of cancellation of debt, which I was responsible for submitting to the IRS ; I never received one.

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 2024-11-13 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 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:
I am writing to request the immediate blocking and deletion of specific accounts on my credit report that were compromised due to a data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent accounts permanently removed.

Please block and delete the following accounts from my credit report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
There are numerous hard inquiries that I did not authorize on my Experian Credit Report. These fraudulent inquiries include : XXXX XXXX XXXX XXXX 
Please remove them asap.

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 2024-11-13 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-11-13 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-11-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 8058 ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent Inaccurate, and false information consists of a personal credit cards account opened at XXXX XXXX in XX/XX/XXXX under the account number, also XXXX XXXX in XX/XX/XXXX under the account number and another XXXX XXXX in XX/XX/XXXX under the account number XXXX  account was also a business line of credit opened from XXXX XXXX  ( XXXX XXXX ) XX/XX/XXXX also a XXXX  XXXX XXXX credit card was opened up on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent aacounts. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 8058 ( 15 U.S.C. 1681c-2 ) that you, XXXX, Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent Inaccurate, and false information consists of a personal credit cards account opened at XXXX XXXX in XX/XX/XXXX under the account number, also XXXX XXXX in XX/XX/XXXX under the account number and another XXXX XXXX in XX/XX/XXXX under the account number XXXX  account was also a business line of credit opened from XXXX XXXX  ( XXXX XXXX ) XX/XX/XXXX also a XXXX  XXXX XXXX credit card was opened up on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent aacounts. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

Company response to consumer: Closed with non-monetary relief