vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for go any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : TOWER - TOWER XXXX SANTANDER - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: GA

Complaint narrative:
I have been getting denied credit from many sources due to inaccurate accounts. Accounts being duplicated on credit reports and sold off to creditors with no bonding insurance to collect remaining balances using harrassing tactics. I have had balances reported differently on all reports. Dates opened different on all reports, accounts being illigally reaged. All just to dispute but credit agencies have been reporting verified. That is against the laws and have hurt my credit and affected myself in many ways. 

Accounts : XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX {$780.00}. 
XXXX XXXX {$950.00} XXXX XXXX {$220.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4100.00}

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 explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Previously a complaint was submitted on behalf of this negative tradeline on my credit report. 
I see that you all are reporting false and inaccurate information on my credit profile and I am no longer requesting, but demanding a removal of this erroneous tradeline. 

In response you all sent me letter and stated that I allegedly opened an account on XX/XX/XXXX and that you all purchased the account on XX/XX/XXXX. But, you are reporting to the credit bureaus something totally different. 

You are saying my account was opened on XX/XX/XXXX. For one, the date is wrong, and secondly, I didnt open an account on that date, however, XX/XX/XXXX is when you allegedly purchased the debt. So nothing should be reflecting on my credit report as if I opened an account on the day you all decided to PURCHASE A PUBLIC RECORD DEBT Youre also reporting to XXXX that the account is closed and charged off but reporting to XXXX that it is OPEN and I am LATE! Which is destroying my credit profile without consent. 

It is also said in the letter that my account became delinquent on XXXX XXXX but you are reporting to XXXX that my last payment was XX/XX/XXXX.. 


I am requesting this tradeline be deleted, as in REMOVED, as soon as possible, or I will request further action be taken for violating the acts of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a lot of fraudulent activity on my credit report. I have tried to reach out the credit bureaus on various occasions regarding the fraudulent activity but have not been able to progress.

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 2024-03-17 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:
There is a lot of fraudulent activity on my credit report. I have tried to reach out the credit bureaus on various occasions regarding the fraudulent activity but have not been able to progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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:
After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft.I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!

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 2024-03-17 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX I went on vacation to XXXX, to the city of XXXX, and bought a package with an agency called XXXX XXXX XXXX XXXX, and paid with my MasterCard credit card, XXXX charged me for services that I already paid for and the charges were very high, and the person who assisted me made a flight reservation without consulting me, which resulted in another charge to my Mastercard, the fraud committed by the XXXX XXXX XXXX XXXX, was more de XXXX dollars when I was in XXXX I contact Navy Federal Credit Union, to let them know what happened to me, but never get a response from them, when I return to the U.S. I called them and let them know about my dispute I send all the papers that I received from the XXXX XXXX, but my dispute was rejected according to them all the papers had to be translated into English, I translate the papers and still my dispute was denied. 

saying " All documentation translated to English. This is a requirement for the Credit Card XXXX Mastercard. '' The case will remain closed until the necessary documentation is provided. 

XXXX never answered my call they use the platform XXXX, since I was in XXXX XXXX never provided me with the proper documentation. 

Please I WILL SUBMIT TO YOU, ALL THE DOCUMENTS TRANSLATED TO ENGLISH FOR ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX have placed a remark on credit/checking account report via Early Warning Systems for three seperate remarks. They alleged that my account was closed due to account abuse. The financial institution should not have done this, as they failed to contact me or make arrangements or offer any payment plan for me to bring the accounts in good standing. Ive also submitted signed and sworn statements against fraudulent o unauthorized charges and they failed to investigate and inform me of their determination. Ive went nearly a year without receiving responses to the concerns I brought t them. They also were negligent in response times and never informed me to contacted me of any detrimental actions that were pending. Their remarks have subsequently led to several banks denying my application to open new checking accounts. For the past 12 months Ive been denied opportunities to open checking accounts thus Ive been forced to rely on XXXX for my financial purposes. I no longer have access to any brick and mortar banks and this is been very troublesome to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: HW Holding, Inc
State: MO

Complaint narrative:
This company sent me letters and I have never heard of them before. When I have sent them the letter below, which includes the law, they totally ignore what I'm saying and just resend the same exact information as before. They do not appear to want to adhere to the law. I sent this company this letter- which was the 2nd Notice dated XX/XX/2023 and they still have not done anything to get this off my credit as it is illegal. 

YOU ARE REQUIRED BY LAW UNDER THE FCRA that any and all accounts which are in your system regarding XXXX XXXX XXXX are fraudulent. There is no contract or application with you and pursuant to the Fair Credit Reporting Act, a contract/application between both parties must be in place in order for anything to be reported to a credit bureau XXXX 

609. Disclosure to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) Summary of rights to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section.

( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 306 or can not be verified.

( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.

You have NOT provided me a copy of ANY ORIGINAL DOCUMENTATION REQUIRED WITH MY SIGNATURE ON IT, NO CONTRACT BETWEEN MYSELF AND YOU. Under Section 311 ( 5 ) ( A ) of the FCRA you are required to provide this to me!

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

AS YOU STATED IN YOUR LETTER, YOU ARE NOT AN ENTITY WHICH HOLDS A CONTRACT WITH ME. I DO NOT HAVE A CONTRACT WITH YOU. BY LAW, YOU ARE REQUIRED TO REMOVE ALL CLAIM TO ANY DEBT FROM MY CREDIT ACCOUNT. THERE IS NO VERIFICATION OF AN ACCOUNT WITH YOU IN THE PACKAGE YOU SENT TO ME. YOU CLEARLY STATE YOU ARE A DEBT COLLECTOR AND I HAVE NO CONTRACT WITH ANY SUCH COMPANY. 

It is imperative you inform all Credit Bureaus XXXX, XXXX and XXXX immediately! 

This is still on my Credit Report with nothing being done about it by the Bureaus or by the company that is fraudulently reporting something that is absolutely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
I have communicated with your company for over six months by letter and phone conversations and your company PORTFOLIO RECOVERY ASSOCIATES has stated your company aka PRA has validated a debt by me ( XXXX XXXX XXXX ) to PORTFOLIO RECOVERY ASSOCIATES. However, PORTFOLIO RECOVERY ASSOCIATES has yet to provide any debt validation to me in accordance with 15 US CODE 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
Service Finance Company , llc installed solar panels and backup battery at my home. They advised me in writing that I would receive tax and bonus credits totaling 30 % or {$13000.00} to offset the cost of this system. This would maintain my monthly payments at {$130.00} for the life of the loan. There are no credits available to me that will pay down this debt. The company has increased my payments and claim that my loan is delinquent. To date no bonus credits or discounts have been applied by the company toward this purchase. {$130.00} is deducted from my checking account each month. The company refuses to speak with me about this purchase. Thank you.

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 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have 2 complaints about Experian Credit bureau. The first one is regarding a new very deceptive way of opening up bank accounts for people who are just trying to open an online account to see their reports. A quick XXXX search in this matter will show several results and complaints from other people who have experienced this, specifically in XXXX XXXX. I'm a person who reads carefully and so does my wife, but they are doing a very well job at hiding that " add on '' feature that creates a new bank account, when you are just trying to create a regular " online access account '' to see credit your reports. I don't believe a new bank account should be a hidden add-on item in the signing up of another service. I'm not sure if illegal, but it is unprofessional, unethical, and very deceptive. 

the second issue was very frustrating and after doing some research, it seems to have happened to many people in the past, and some even lost the opportunity to purchase their homes because of their unwillingness to do their jobs. Long story short, I had disputed a late payment a year ago. the dispute was closed, not to my satisfaction. I had added a remark that i did not agree with the resolution. When buying my recent property, My lender mentioned the remark would be an issue and they could not clear me to close. The number of days and hours to remove that remark from Experian, is unreal. They would just tell me to wait 24-72 hours and then nothing would happen, or they would just change the comment instead of deleting it ( example : changing " customer disagrees '' to " under investigation '' ), which is also not what a lender wants to see. After many, many days, countless hours, and many phones calls, someone finally got it right. but the amount of time I had to waste with this, should not be the case. specially for an issue that seems to be going on for a while now. FYI : XXXX fixed it right away with immediate results. and with XXXX it was a bit of a hassle also but I was able to contact an executive member via XXXX XXXX that got me the proper help.

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 2024-03-17 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: AL

Complaint narrative:
I have recently checked my report and I have asked Experian serval times to update my personal information. 15 USC 1681 ( a ) ( 4 ) I am a federally protected consumer and I have the right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Each time I dispute and asked the document below will show you that it will say verified and updated which is false.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft.I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!

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 2024-03-17 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:
After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft.I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Aldous & Associates, PLLC
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for do any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Collection Management Holdings, LLC
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for do any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: DISCOVER BANK
State: CA

Complaint narrative:
I had XXXX purchases for a seller who has gone dark and removed all contact details and public postings. I disupted both charges after asking for a refund again and receiving a email bounce back. 

The credit company tried reaching out to the vendor with no response as well, i provided the email bounce backs as well as my requests for refund, images of my orders, a picture of the event cancellation from XXXX, the order pages showing product had not been provided to the shipping company for almost 2 years now, tracking label number that showed it had not been received by XXXX, and any other contact info they requested. 

I was told it was found valid as i didnt have adequate proof and once i called to reopen the case was told what i provided didnt prove anything and they were unable to clarify what more they needed adequately or how what i submitted was invalid despite the seller being unreachable by either me or the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Accounts listed> XXXX XXXX {$780.00}. 
XXXX XXXX {$950.00} XXXX XXXX {$220.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$4100.00} I have been getting denied credit from many sources due to inaccurate accounts. Accounts being duplicated on credit reports and sold off to creditors with no bonding insurance to collect remaining balances using harrassing tactics. I have had balances reported differently on all reports. Dates opened different on all reports, accounts being illigally reaged. All just to dispute but credit agencies have been reporting verified. That is against the laws and have hurt my credit and affected myself in many ways.

Company response to consumer: Closed with non-monetary relief