vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
I am rewriting to file a formal complaint to EXPERIAN regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the EXPERIAN will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.

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 2025-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've requested may times for the 1099 c. The company in return in retaliation against me and changed the profile on all credit reporting agencies stating inaccurate information and changed every month to charge off every day for 2 years straight that is inaccurate and against fair credit reporting laws. also, much more inaccurate information on report please delete from credit reports Please send me the 1099c on this account. if this demand is not met the next is for me too, Im about to sue u for statutory damages and actual damages for reporting incorrectly to my credit reports.im filing with the IRS for fraud. and a full investigation on this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
I am writing to inform you that my personal information has been compromised as a result of various data breaches, including the XXXX data breach, incidents involving the black web, and other data breaches. These breaches have put my sensitive data at risk and have the potential to result in identity theft and fraud. 

According to various laws and regulations, such as the Fair Credit Reporting Act ( FCRA ), organizations like Trans Union are required to take necessary steps to protect consumer information and ensure its security. The unauthorized access to my data through these breaches raises serious concerns about the security measures in place and the potential impact on my financial well-being. 

Given the severity of these breaches, I request that Trans Union thoroughly investigate this matter, provide me with information on any suspicious activities related to my credit report, and take appropriate actions to safeguard my information moving forward. As a consumer, I rely on Trans Union to uphold its obligations under the law and protect my data from further unauthorized access. 

I appreciate your prompt attention to this matter and look forward to your response outlining the steps taken to address the compromised information. 

Sincerely, 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 2025-01-06 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: GA

Complaint narrative:
XXXX XX/XX/XXXX {$0.00} Inquiry only. Experian did not remove incorrect information. 
Experian XXXX XXXX XXXXXX/XX/XXXX {$0.00} Inquiry only. Experian did not remove incorrect information. 
XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. Experian did not remove incorrect information. 
XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. Experian did not remove incorrect information. 
XXXX XXXXXX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
This account was charged off on XX/XX/year> : Since then, the date last active has been inconsistently updated. On Experian the date last active is ( XX/XX/year> ) on XXXX its ( XX/XX/year> ) and on XXXX its ( XX/XX/year> ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. 

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 2025-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was on a vacation from my home in XXXX to XXXXXXXX XXXXe and back. I rented a car, bought fuel, food, attractions, and motel rooms from XXXX XXXX- XX/XX/year> and charged everything on my Capital One credit card. 
On the evening of XXXX I was ready to find a room for the night and came upon a road sign in rural XXXX  that said " XXXX XXXX '' miles ahead. So I pulled over and brought up the XXXX website on my phone. I typed in the required information on each screen ( like I had done the night before when in XXXX, XXXX ) - what date ( XXXX ), city ( XXXXXXXX XXXX  ), number of guests ( 1 ), credit card information, etc. agreed to terms and conditions, and on the next screen XXXX sent confirmation that I was booked into a motel in XXXXXXXX XXXX XXXX Since that obviously wasn't correct, I tried to see if there was some way to contact XXXX to correct their mistake but couldn't find any. 
So I drove on to the next town, and tried again, typing in XXXX, XXXX as the city now. After I got through all the steps this time, I got a confirmation of a room in XXXXXXXX XXXX. Frustrated with XXXX, I drove on and booked a motel through XXXX instead, and stayed the night in an XXXX  there nearer to XXXX, XXXX 
After I got home and received my Capital One statement I saw that I had been billed for all XXXX rooms for the same night. So on XXXX XXXX, I called the phone number listed on my statement for XXXX to attempt to straighten out their error. I was told that my complaint was over 90 days old ( it was over 30 days, but certainly not over 90 days ). So I called Capital One and filed a dispute. 
Capital One initially removed the charges but reinstated them when XXXX provided documents that they had provided me with rooms in XXXXXXXX XXXX  and XXXX, XXXX for the night in question. I wrote to Capital One and called them to explain the obvious error but they refuse to remove the incorrect charges because I am " unable to provide documents '' to prove my side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
Dear Representative, I recently reviewed a copy of my credit report and noticed the following information regarding certain inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( XXXX ) a firm offer of credit, ( XXXX ) insurance, ( XXXX ) an application for employment, or ( XXXX ) a court order. 

The following inquiries are not related to XXXX of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX ). Name and title of the person who pulled my credit. 
XXXX ). Date they purport that I gave permission. 
XXXX ). Method they purport that I gave permission. Please include documentation of said permission. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
THE FOLLOWING ACCOUNTS ARE RESULTS OF IDENTITY THEFT THEY ARE FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
FRAUDULENT, IDENITITY THEFT, FORGERY, FRAUD, UNAUTHORIZED TRANFERS FROM MY CEDIT CARDS, CHECKING, SAVINGS ACCOUNTS, PERSONNAL LOAN, UNAUTHORIZED TRANFERS TO XXXX XXXX XXXX {$2400.00} + $ $ XXXX {$3600.00} ON XXXX XX/XX/XXXX, FROM MY CHECKING ACCOUNT, UNAUTHORIZED TRANFER TO XXXX XXXX {$2400.00} ON XXXX XX/XX/XXXX, FROM MY CHECKING ACCOUNT, UNAUTHORIZED TRANFER TO XXXX XXXX {$2400.00} ON XXXX XX/XX/XXXX, UNAUTHORIZED PERSONNAL LOAN TAKEN OUT ON ME {$5000.00} ON XXXX XX/XX/XXXX, UNAUTHORIZED CREDIT CARD TRANFER {$2400.00} WITHDRAWAL/ATM ON XXXX XX/XX/XXXX, UNAUTHORIZED TRANFERS FROM MY CHECKING ACCOUNTS AND SAVINGS ACCOUNTS {$3200.00} + {$1000.00} ON XXXX XX/XX/XXXX, CREDIT CARD CASH ADVANCE ON XXXX XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Skopos Financial, LLC
State: IL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and I am writing you with a concern I have. I took out an unsecured loan with Reprise Financial on XXXX XXXX in the amount of XXXX dollars. I have been making on time payments since the first payment date in the amount of {$270.00}. To date this company has only reported XXXX payments to the XXXX credit bureaus leaving the loan to appear as if payments are not being made and the outstanding balance {$6400.00}. The company has failed to report XXXX XXXX payments to my credit report. The balance new balance that should be reported is {$5400.00}. Account number is XXXX. I contacted them at the consumer advocacy phone number XXXX and was told that they were reporting to all three bureaus and the balance reflected on my reports was accurate.

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 2025-01-06 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Refusal to correct a billing error. SYNCHRONY BANK, SAM 'S CLUB MASTER CARD. {$3000.00} charged to my account on XX/XX/year> ; that account was compromised and closed on XX/XX/year>. The balance of {$3000.00} on the account that was closed was transferred to the replacement card on XX/XX/year>. The replacement card ( my account ) acknowledges payment of {$3000.00} on XX/XX/year>. THAT IS WHERE THIS STORY SHOULD END! However, Synchrony Bank lists a DEBIT on my wife 's credit card ( XX/XX/year> statement ) of {$3000.00} on XX/XX/year> AND {$3000.00} on XX/XX/year> and a CREDIT of {$3000.00} on XX/XX/year>, which leaves us with a DEBIT of {$3000.00} ( previously PAID as noted ). The XX/XX/year> billing shows a balance of my wife 's account is {$0.00} after acknowledging a CREDIT of {$3000.00} on XX/XX/year>. AGAIN, THAT SHOULD BE THE END OF THIS STORY! However, on our joint Synchrony Bank, XXXX 's CLUB MASTER CARD, it lists a charge of {$3000.00} on XX/XX/year> AND a charge of {$3000.00} on XX/XX/year> with a CREDIT of {$3000.00} on XX/XX/year> -- once again leaving us with a DEBIT of {$3000.00} ( previously PAID as noted ). As the record shows, we DO NOT OWE Synchrony Bank {$3000.00}! However, we are still being charged that amount according to our XX/XX/year> billing, although we have a letter from Synchrony Bank, dated XX/XX/year>, that states, " Your account has been corrected. Please accept our apology for any inconvenience this XXXX have caused you. '' This letter was in response to the second FAX I sent on XX/XX/year> to XXXX XXXX Department, Synchrony Bank. Subsequently, I sent a third FAX on XX/XX/year> ; I have NOT received a response to that FAX.

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 2025-01-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Late payments reported XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Late payments reported XXXX XXXX XX/XX/XXXX BMW FIN SVC Opened XX/XX/XXXX Late payments reported XXXX & XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
Subject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account.

Proof of any payments or transactions associated with the account.

Any identifying information you have on record that would associate this account with me.

Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. 

Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. 

Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.

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