vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-13 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: TN

Complaint narrative:
I recently called the company XXXX XXXX XXXX to obtain a wet signature of contract to verify they the debt was mine I received no response. I filed a CFPB and FTC complaint with the company. I receive nothing. They deleted from 2 credit bureaus expect one! They are damaging my credit which is a defamation to my character! They have not supplied the credit bureau or me with any verification. They have violated numerous laws! I am Demanding Deletion from my consumer report or else I'm going to pursue litigation. Ive called this company numerous times all I get is hung up on. previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". failing to comply. ask for the bookkeeping entry and the chain of title for the debt never received it. Ive been disputing this company 7 years! Ive sent letters after letters. Removal of inaccurate invalidation CODE DF

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 2024-01-13 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: Kikoff Inc.
State: AR

Complaint narrative:
I submitted a dispute to Kickoff Lending notifying them that my identity was stolen when my purse was taken a few years ago, and that the accounts they are reporting to credit bureaus are not mine. Kickoff would not delete these accounts, even though there is an identity theft alert on my credit reports. I am now submitting a valid and accurate police report stating that my purse and identifying information was stolen and accounts opened using my information. I am seeking deletion of the kickoff accounts and my information to be deleted from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have applied for a credit card with American Express around XX/XX/XXXX and was denied. I then received an adverse action letter in the mail dated XX/XX/XXXX with them showing lack of sympathy for denying me my credit. My application/promissory note and or security gave consideration and secured payment, which now was stolen by American Express XXXX My application/ promissory not was turned into a debt security according to their prospectus, which is then sold on the primary and secondary markets. I received no benefit for providing my security to American Express and no remedy to solve this matter. This is SECURITIES FRAUD which also violates their agreement with the SEC for Securities Exchange Act of 1934. 

240.10b-5 Employment of manipulative and deceptive devices. 

It shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: OH

Complaint narrative:
The Executors reviewed the surety report and identified multiple cases where the report was accessed and shared without proper authorization. The mentioned accounts did not receive approval to access the Executor surety report, and there was no direct benefit received by us. The credit accounts in question were not authorized by the Executors XXXX XXXX XXXX XXXX and are considered nonconsensual. We do not recognize these inquiries, and unless you can furnish a copy of the authorization by the Executor, we request the immediate deletion of all listed accounts. 

XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: OH

Complaint narrative:
The Executors reviewed the surety report and identified multiple cases where the report was accessed and shared without proper authorization. The mentioned accounts did not receive approval to access the Executor surety report, and there was no direct benefit received by us. The credit accounts in question were not authorized by the Executors XXXX XXXX XXXX XXXX and are considered nonconsensual. We do not recognize these inquiries, and unless you can furnish a copy of the authorization by the Executor, we request the immediate deletion of all listed accounts. 

XXXX XXXXXXXX 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 2024-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I barley used the account and one day I was unable to complete a transfer which then turned into I was no longer able to use the account. My account activity wasnt out of the norm and I only completed online account activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: PA

Complaint narrative:
I dispute the following information that still appears on my Experian report as of XX/XX/XXXX : which is previously disputed for inaccuracy reporting. On XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I advised Experian that this is my THIRD WRITTEN REQUEST asking to remove or delete unverified inaccurate account listed above. 

I also notify Experian that I have reach out to the company and provided proof of my conversation that there is no account of the information that's being report which is associated with my personal 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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Motor Acceptance has been reporting incorrect standing on the account. This eventually led to a wrongful repossession, Ive been trying to find out further information about it and the account status but was told I do not have rights to these items as the co-owner. Nissan stated that the account has not been paid in months, yet it has and they were unable to provide all previous payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I've reached to Acima regarding this fraudulent item being reported by XXXX and requested an original contract with a wet signature to verify the alleged debt. Acima has failed to provide the requested information and has violated my consumer rights per Title 15 USC code 6802. Acima failed to provide any disclosures that would allow me to opt-out of reporting as a consumer, which is their obligation. Acima and XXXX continue to practice in an unlawful manner, which could lead to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: NY

Complaint narrative:
XXXX has incorrectly reported my payment info for years affecting my ability to get credit.

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 2024-01-13 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: NY

Complaint narrative:
XXXX has incorrectly reported my payment info for years affecting my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Urgent! Time sensitive. 
XXXX XXXX, Florida case # XXXX Va backed home loan protected by DOJ v. Boa landmark lawsuit, and now the additional federal protection against illegal foreclosure, outlined in the XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ), Bank of America is still proceeding with the public auction of our home on XX/XX/XXXX! The VA loan admin XXXX XXXX at XXXX ext. XXXX, XXXX specifically spoke with BOA VA contact where both knew to stop the illegal sale. The BOA attorney XXXX XXXX at XXXX continues to push this sale. XXXX XXXX XXXX has history, was taken off the bench by XXXX XXXX XXXX previous for illegal property sales is somehow now the presiding Judge and refuses to allow this case to actually have a trial and is permitting the illegal auction despite federal protections. This is a XXXX veterans case backed home loan. No email for her other than 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 2024-01-13 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:
XXXX reported late payments on my student loan between XX/XX/XXXXXXXX  and XX/XX/XXXX. This, of course, was right in the middle of the Department of Educations student loan payment pause which began in XX/XX/XXXX. Consequently, I could not have been 90 and then 120 days late with paymentsnot to mention the fact that loan servicers were not supposed to make negative credit reports at this time, either. 

TransUnion is the only credit agency reporting this. When I contacted them, they said I would need to contact XXXX directly as they are the only ones who can report a correction. I sent a letter ( as per their website ) and have received no acknowledgement.

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 2024-01-13 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: GA

Complaint narrative:
I have reviewed my consumer report and noticed that I have 5 inquiries on reports that I have no knowledge of I have tried to dispute items and your company doest no tale a fraudulent case serious here is the list please see attached XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  Transunion

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 2024-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is threatening to sue me if I dont pay them what I owe, first of all I was only approved for a credit limit of XXXX and they are telling me that I owe more than that. Second of all, I lost my job a few weeks ago, so I dont have a way to pay them as of right now. I dont appreciate that this bank is threatening to sue me and take my stuff away, this bank is the worst and I hope that no one else banks with them at all. Never again will I get anything from XXXX XXXX either.

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 2024-01-13 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've been reaching out to Navy Federal Credit Union in regards to reporting my utilization, which is a violation of Title 15 Usc code 6802. Navy Federal Credit Union is violating my rights as a consumer by not giving me the option to opt-out. Navy Federal CU never provided the opt-out disclosure to me, which is their clear obligation to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: TX

Complaint narrative:
I've been reaching out to XXXX XXXX XXXX XXXX in regards to reporting my utilization, which is a violation of Title 15 Usc code 6802. XXXX XXXX XXXX XXXX is violating my rights as a consumer by not giving me the option to opt-out. XXXX XXXX XXXX never provided the opt-out disclosure to me, which is their clear obligation to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
AMSHERCOLLECTIONSERVICE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Al XXXXhas report this account to the credit bureaus. They refuse to validate the debt and can prove this belong to me. 
AMSHERCOLLECTIONSERVI CES Last reported XX/XX/XXXX  {$360.00} Open balance XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I contacted XXXX XXXX  and XXXX XXXX XXXX XXXX had the same data An address I never lived in Accounts open 7 years ago and 4 months Another name I dont have Both Experian and XXXX removed the account XXXX  but I see them BACK on my report without any evidence only the two banks had used my ss # and do not have my NAME nor my ADDRESS nor my Drivers License

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 2024-01-13 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
A notice was sent to XXXX  last year as attached that the report must be removed from my credit. I now have a letter from American Express and also a deletion from XXXX  attached below to show that this has been confirmed to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: OH

Complaint narrative:
I have not relinquished my rights, titles, or interests to BERLIN WHEELER, and there is no existing contract between me and BERLIN WHEELER. I have requested from Berlin Wheeler on multiple occcasions my rights, titles, and interests solely between myself and Berlin Wheeler. 

I request that, unless the DEBT COLLECTOR can provide the contract demonstrating my transfer of rights, titles, and interest to them, they remove it from my credit report. I am specifically asking the DEBT COLLECTOR to produce the contract solely between them and me, wherein I signed over my rights, titles, and interest.

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 2024-01-13 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: TX

Complaint narrative:
This complaint is for the multiple late payments found on my credit report as of XX/XX/2024. 

According to 15 USC 1681a Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX : something transacted : an exchange or transfer of goods, services, or funds Therefore reporting transaction history such as late payments are illegal. 

These transactions have reported on my accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, & Equifax are NOT maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to OPT-OUT at anytime. '' Once again I am OPTING OUT of your reporting services for violations listed above. 


NOTE : This is my 3rd complaint addressing these issues and nothing has changed. These transactions are damaging my credit score and affecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: TX

Complaint narrative:
This complaint is for the multiple late payments found on my credit report as of XX/XX/2024. 

According to 15 USC 1681a Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction -Transaction 1 : something transacted : an exchange or transfer of goods, services, or funds Therefore reporting transaction history such as late payments are illegal. 

These transactions have reported on my accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, Experian, & XXXX are NOT maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to OPT-OUT at anytime. '' Once again I am OPTING OUT of your reporting services for violations listed above. 


NOTE : This is my 3rd complaint addressing these issues and nothing has changed. These transactions are damaging my credit score and affecting my life.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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